DebtMo
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Challenges

Small behavior loops that make payoff progress concrete without shame-based pressure.

Seven-day impulse pause
Hold nonessential purchases for one week and move the saved amount to debt.
Active
x
Momentum score boost5/7
Extra $100 principal sprint
Find one short-term cash move and apply it to the highest APR balance.
Active
x
Earlier debt-free date64/100
Rate reduction call
Contact one lender with a clear hardship or loyalty script.
Complete
x
Lower interest drag1/1