Days 49–51 of 90 · STRENGTHEN · Week 7: Create Your Debt Strategy
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Choose Your Approach
Commit to one method.
About 17 minutes
Learn
Choosing removes the daily cost of reconsidering. A chosen method compounds; a debated one does not.
Whichever you pick, minimums continue on everything else.
You can revisit this at Day 90.
Do
Select your approach in the tool below.
No approach is universally correct. Lowest total interest and fastest visible progress are different goals — choose the one you will keep doing.
Add debts on Day 39 to generate your ordered plan.
Extra per month (from Day 18)
$0
First target
—
Reflect
What made you choose this method over the alternative?
Day 50
Build Your Action Plan
Turn your numbers into an ordered plan.
Learn
A plan needs three things: an order, a monthly extra amount, and a first target.
Your inventory already contains the order. You set the extra amount in Week 3.
Written plans survive bad months. Intentions do not.
Do
Generate your ordered payoff plan below and note your first target.
No approach is universally correct. Lowest total interest and fastest visible progress are different goals — choose the one you will keep doing.
Add debts on Day 39 to generate your ordered plan.
Extra per month (from Day 18)
$0
First target
—
Reflect
What is your first target debt, and what would clearing it free up monthly?
Day 51
Protect the Plan
Prepare for the things that derail repayment.
Learn
Repayment plans usually fail for one of three reasons: an emergency with no buffer, a rate change, or reusing cleared credit.
Each has a defence: the buffer from Week 5, reading the terms, and a written rule about reuse.
Anticipated obstacles are far less disruptive than surprising ones.
Do
Write one defence for each of the three risks above.
Reflect
Which of the three is most likely to affect you?
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