Generate a full detail guide on how to face and organize your debt. The guide must be written in a gentle, non-judgmental, and step-by-step format. It must include sections on: 1. The Mindset: How to approach this task with self-compassion. 2. The Gathering Phase: A checklist of all the documents to find (statements, loan agreements). 3. The Organization Phase: A template for a simple spreadsheet to list each debt, its total, interest rate, and minimum payment. 4. The 'You Did It!' section, focusing on celebrating this crucial first step. Please include a supportive disclaimer.