Every tool we make, in one download. The worksheet to start, the scripts to negotiate, the playbook to finish — everything you need at every stage.
One download · Everything included · Instant access
Get the Full Bundle — $47 →7-day refund · No questions asked · Every format included
Fillable PDF for every debt — balance, rate, minimum, status, priority. The essential first step.
Sold separately: $9
Guided debt audit — face the full number, calculate the real cost, 72-hour action protocol.
Sold separately: $17
The real math behind minimum payments — timelines, interest totals, and payoff acceleration worksheet.
Sold separately: $19
6 complete scripts — interest rate reduction, hardship plan, settlement, deferral, goodwill removal, debt validation.
Sold separately: $17
The complete 5-phase system — audit, strategy, negotiation, acceleration, long game. Every worksheet included.
Sold separately: $27
Build a $1,000 emergency fund while paying off debt. Side income, expense audit, 6-month plan.
Sold separately: $27
One action per day for 30 days — with 4 worksheets and 2 call scripts embedded.
Sold separately: $37
Complete Notion workspace — linked debt tracker, payment calendar, automated formulas, net worth tracker.
Sold separately: $27
Debt payoff isn't a single tool problem — it's a different challenge at every stage. When you're starting out, you need the worksheet. When you're ready to negotiate, you need the scripts. When momentum drops at month 4, you need the Detox. When you want to track everything in one place, you need the Notion template.
Buying tools one at a time as you need them is the most expensive way to do it — both in money and in the time you spend between realising you need something and finding it. The bundle gives you everything upfront so the right tool is always available the moment you need it.
At $47, the bundle costs less than any three individual tools. It's the most efficient path to having every resource available at every stage of your journey — without having to decide what to buy next or wait to purchase the next piece.
One purchase. One download. Everything.
"I bought the worksheet first, then the scripts, then realised I should have just got the bundle. If you're serious about this, just get the bundle. It's the obvious choice."
"Having everything available at once means I don't have to stop and think 'what do I need next?' I just go to the right tool. It's removed all friction from the process."
After purchase on Gumroad, you receive immediate access to a download page with all files — PDFs for the guides and worksheets, and a Notion template link for Debt Free by Design. Everything is in one place; no separate accounts or subscriptions required.
Yes, but only Notion's free plan — no paid features are used. If you don't currently use Notion, creating a free account takes under 2 minutes. The template link duplicates the workspace to your account in one click.
Email hello@thesilentdebt.com with your purchase receipt and we'll offer a credit toward the bundle price. We don't want you to pay for the same thing twice.
Yes — 7 days, no questions asked. If the bundle doesn't work for you, email hello@thesilentdebt.com for a full refund.
$47 for the complete toolkit — less than any three tools individually.
Get the Full Bundle — $47 →7-day refund · Instant access · Save $124
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