Free routine template
Debt down routine that reminds you when each one is due
Every balance written down monthly, minimums checked, every spare dollar to one debt, two no-spend days a week.
- 5 routines
- Reminders when they are due
Debt down
Days and times are the pack's own. Change any of them after you add it.
- Write down every balanceEvery month on the 1stList each debt with its balance, interest rate and minimum payment. Draw a line through any that reached zero.
- Minimums all paidEvery month on the 5thCheck every minimum went out on time and nothing charged a late fee. Put any that is still manual on GIRO or a standing instruction.
- Extra to one debtEvery month on the 26thThe day after pay day, send every spare dollar to one debt: the highest interest rate first, or the smallest balance if you need a quick win. Everything else gets its minimum.
- Two no-spend days2 times a weekTwo days a week with nothing spent beyond transport and the meals you planned. Tick each one at night.
- Ask for a better rateTwice a year, from 15 MarCall each lender and ask about a lower rate, a balance transfer or a debt consolidation plan. Write down what they offer and the fees before saying yes.
About this pack
Debt shrinks fastest when one debt gets everything spare and the rest get their minimums on time. Pick an order and stay with it. If repayments feel out of hand, Credit Counselling Singapore helps for free.
How to use it in Palby Planner
- 1Open Routines and press Packs.
- 2Find Debt down and open it. Every routine is ticked, with its day and time.
- 3Untick any you don't want. A routine you already have is shown, and it isn't added twice.
- 4Press Add. Each one reminds you on WhatsApp or Telegram when it is due, until you tick it off.
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5 routines
Questions
Yes. Copy it as a checklist or print it, with no sign-up. Adding it to Palby Planner, with the reminders, needs an account.
Link WhatsApp or Telegram and a message arrives at the routine's time, or at 10am if it has none, but only if it isn't done yet. Tap Done, snooze it, or mute that routine.
Yes. Every routine is yours once it's added: rename it, move its day or time, or delete it. Untick the ones you don't want before you add the pack.
Type it in one line, like "stretch daily at 9pm", and it becomes a routine with that day and time.
Get a nudge when each one is due.
The packs are free. The app reminds you when each one is due.