Minimum payments keep progress slow.
Even a small extra payment changes momentum. This isn’t about eliminating debt today — it’s about reclaiming control.
Day 21 is about progress.
Today’s Focus
Pay more than the minimum on one debt.
Any extra amount counts.
Big or small.
What matters is intention.
Why This Step Matters
Small actions:
- Build confidence
- Reinforce progress
- Strengthen motivation
Momentum grows with action.
This Is Not About Perfection
You’re not solving everything today.
You’re proving progress is possible.
Reflection Question
How did making this payment change how you feel about your debt?
What’s Next
Tomorrow, we’ll pause and reflect on the progress you’ve made so far.
For today, progress is enough.