Money Matters Radio Show #05 - Debt Schedules 101—Take Control of What You Owe (Without Losing Sleep)

Money Matters Radio Show #05 - Debt Schedules 101—Take Control of What You Owe (Without Losing Sleep)

Radio Show Summary

This week on Money Matters, we’re tackling a topic most folks love to avoid—debt. But don’t worry, Kash is here to make it less scary and a lot more strategic. Across four episodes, you'll learn what a debt schedule is, how to create one, and why it’s your best friend when it comes to managing liabilities. We’re talking about transforming your scattered loan info into a clear, actionable plan. Think of it as your financial GPS—it tells you what you owe, when it's due, and how to plan your next money move without the panic.

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Key Takeaways

[Episode 17] Debt Schedules 101: What They Are and Why Your Business Needs One

This episode kicks off our deep dive into debt management. We talk about what a debt schedule is and why this internal document might be requested by banks or investors.


Key Takeaways:

  • Understand the definition and purpose of a debt schedule.
  • Debt schedules help in making strategic financial decisions, like refinancing or taking on additional debt.
  • Keep a notebook handy for practical exercises that make your accountant cheer!

[Episode 18] How to Build a Debt Schedule (and Why It Boosts Credibility)

Continuing the conversation, we explore how to maintain detailed debt schedules. Here, precision meets planning, preventing those dreaded missed payments and improving your cash flow game.


Key Takeaways:

  • Identifying all recurring expenses in your debt schedule enhances tracking and management.
  • Automation is key—stop missing payments by setting up scheduled payments!
  • Build credibility with creditors by being both organized and hilarious. (Okay, maybe just organized.)

[Episode 19] Debt Details Matter: Organize, Prioritize, and Pay Smarter

Next, we focus on the nitty-gritty, such as writing down the intended purposes for debts. This builds towards smart debt repayment strategies and ranking loan priorities.


Key Takeaways:

  • A complete debt schedule includes creditor details, amounts owed, and payment timelines.
  • Evaluate the effectiveness of each debt to ensure it aligns with business goals.
  • Understanding repayment terms helps your business leverage credit effectively.

[Episode 20] Avoid Debt Pitfalls: Build a Plan That Protects Your Growth

In our final episode, we tie everything together by discussing potential pitfalls in debt management and how to avoid them with a solid debt strategy.


Key Takeaways:

  • Avoid short-term loans for quick fixes—they increase debt issues in the long run.
  • Always weigh the benefits of taking on new debt against potential drawbacks.
  • Growth strategies must align with your financial responsibilities to thrive.

Meet Your Host

Kasfia “Kash” Rashid is the founder of Kash the Bookkeeper, a boutique bookkeeping and consulting firm helping entrepreneurs build better relationships with their money. With over 15 years in the accounting world, Kash makes financial literacy simple, relatable, and surprisingly empowering. She’s the host of Money Matters, a global radio show that brings honest financial education to business owners everywhere.

Mentioned Resources:

  • IRS guidelines on depreciation (referenced in Episode 20)
  • Expense category examples (from Episode 18)
  • Payroll provider comparison tips discussed on-air, o

Final Thoughts

First things first—grab a notebook or spreadsheet and list out every debt your business owes: who it’s to, how much, the interest rate, and payment dates. This is your starting point. From there, look at ways to prioritize what should be paid down first (hint: highest interest usually wins). Set reminders or automate those payments if you haven’t already. A good debt schedule isn’t just a list—it’s a tool to help you breathe easier, plan smarter, and grow faster.


Found this week helpful? Subscribe to Money Matters and leave a review to help others find Kash’s guidance. Got a business buddy who’s guessing at their numbers? Send them this week’s episodes—they’ll thank you later.

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