Challenges
Small behavior loops that make payoff progress concrete without shame-based pressure.
Momentum challenges
Turn small behavior wins into score movement and optional payoff dollars.
Completed
1
3 challenges available
In progress
2
Open behavior loops
Payoff wins
$0
Completed, not yet applied
ActiveBudget
Seven-day impulse pause
Hold nonessential purchases for one week and move the saved amount to debt.
x
Momentum score boost5/7 days
$42 payoff win
Move estimated impulse-pause savings to the focus debt.
ActivePayment
Extra $100 principal sprint
Find one short-term cash move and apply it to the highest APR balance.
x
Earlier debt-free date$64/$100
$100 payoff win
Apply the completed sprint amount as extra principal.
CompleteLender call
Rate reduction call
Contact one lender with a clear hardship or loyalty script.
x
Lower interest drag1/1 call
Behavior win
Track the call as a completed momentum behavior.