A one-page printable checklist to clear every active Klarna, Afterpay, Affirm, Zip, and PayPal Pay in 4 plan in 90 days. Snowball logic applied to buy-now-pay-later debt.
Free instant download. No spam, unsubscribe anytime.
Klarna reported a 17% jump in defaults in Q1 2025. This plan pulls you out in 90 days.
Pre-formatted rows to list every active plan across Klarna, Afterpay, Affirm, Zip, PayPal Pay in 4, Sezzle, and Apple Pay Later.
Exactly where to find the "pay off early" button in each provider's app. No prepayment penalty on any of them.
Sort plans by smallest balance, plan 1 through plan 10, with rolled-payment math filled in.
One box to check per day for the 90-day no-new-plans commitment. The step most people skip and regret.
Want the full system
This checklist is the BNPL starter version. The full Debt Snowball Worksheet adds 15 debt slots (BNPL plus credit cards, store cards, auto loans), both snowball and avalanche orderings, and auto-rolling payment math. Checklist still free. Full worksheet is $14.
See the full worksheet →