Gracia Maria had her own debts. As she had done with her husband's debts, she declared that hers should be duly paid. She had already received 4,000 réis from Lucrécia Angola. Having reached an agreement concerning her manumission, Lucrécia periodically paid Gracia Maria three coins as part of the agreement. However, she was not the only person Gracia Maria had such relations with. She also owed 11 patacas to a freedwoman called Izabel de Almeida, money she borrowed in a moment of need. Besides stipulating the payment of her debts, Gracia Maria also said that she might owe money to someone else she could no longer remember. So, after her death, in case any creditor claimed a 'low amount', the executor was to pay it unquestioningly.  
Gracia Maria did not only have debts but was owed money, since she had profited from buying and selling slaves in the competitive manumissions market created by freed Africans. She registered in her testament that the freed African named José Rodrigues owed her 38,400 réis, credit that she had granted him to  
pay the second instalment of the amount required to liberate the slave named Izabel Crioula, his biological daughter. In full control of her faculties when she wrote her will, she declared that the money should be paid so that Izabel could receive her letter of manumission. If the due date expired, the executor should get Izabel Crioula back and sell her as a slave to any interested person, as stated in the agreement with her biological father.  
Cautious in business and religious affairs, Gracia Maria da Conceição Magalhães wished to have four funeral masses held for her soul. For each mass, she offered a sum of 640 réis. Besides that, she stipulated that two more masses be held at any convenient place of the executor's choice and offered 320 réis for each one. Having in mind her old and new debts, she considered her money might not be enough. If needed, her gold earrings were to be sold to guarantee the money for the masses. The leftover money was to be donated at the altar of Our Lady of the Conception.