Days 42–44 of 90 · STRENGTHEN · Week 6: Understand Your Debt
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Sort by Balance
Look at the same debts from a different angle.
About 16 minutes
Learn
Sorting by balance shows which debts could be cleared soonest. Sorting by rate shows which cost most.
Both views are legitimate. They answer different questions: speed of visible progress versus total cost.
Seeing both prevents a strategy chosen by default.
Do
Sort your inventory by balance and note your smallest debt.
No debts recorded yet. Add one, or continue if you have none.
Total balance
$0
Total minimums
$0
Highest rate
—
Smallest balance
—
Reflect
Which view feels more motivating to you — smallest balance or highest rate?
Day 43
Rates, Terms and Fine Print
Know the conditions attached to what you owe.
Learn
Promotional rates expire. Variable rates move. Some balances carry fees for late payment or early repayment.
Knowing the terms prevents unpleasant surprises that undo months of effort.
Ten minutes of reading per account is usually enough.
Do
Check each account for promotional end dates, variable rates and fees.
Reflect
Did anything in the terms surprise you?
Day 44
Your Complete Debt Picture
Close the week with one accurate view.
Learn
You now know exactly what you owe, at what cost, and when each payment is due.
This is the information a strategy needs. Next week you will choose one.
If any figure is still a guess, fix it before Day 45.
Do
Review and finalise your debt inventory.
No debts recorded yet. Add one, or continue if you have none.
Total balance
$0
Total minimums
$0
Highest rate
—
Smallest balance
—
Reflect
How does seeing the full picture compare with how it felt on Day 38?
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