Growth
Send affordable extra money to one chosen debt
Whenpay arrives and required payments are covered
After essentials and all required payments, send an affordable extra amount to your chosen debt. First list balances and rates: choose highest interest to reduce interest cost, or smallest balance for a quicker payoff.
Start tiny
Find one debt’s balance and rate.
SafetyKeep required payments on every debt. Check prepayment terms; seek advice for arrears or debts you cannot manage.
Evidence grade CPractitioner method or editorial idea
Financial Consumer Agency of Canada. Paying back your debt. Read the source ↗ Canada. Editorial reminder adapted from documented guidance; the exact cue and sequence are not a tested intervention.
Growth: Practices that need preparation, a recurring slot or a useful tool.
