Know exactly what to pay, when — before something breaks.
Expose your interest rates before they turn toxic.
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Promotional rates. Balance transfer deadlines. Deferred interest traps. Each one has an expiration date — and when that date passes, the interest doesn't just start.
With some offers, it resets all the way back to day one, as if the promotional rate never existed. With others, the rate simply jumps — sometimes to 28% or higher — on whatever balance you haven't paid off.
Most people don't find out until the damage is done.
Any balance remaining at expiry triggers retroactive interest back to day one — as if the promo never existed.
The rate doesn't creep up. It jumps — from 0% to 28% or higher — overnight, on whatever you haven't paid off.
Miss one deadline and the freed cash you were counting on never materializes. Every subsequent debt suffers.
Map every balance, every promo rate, and every expiration date in one place. Nothing hidden, nothing forgotten.
Identify which accounts carry deferred interest traps and which carry forward-only rate jumps. Know the difference before it costs you.
Know exactly how much you can direct toward debt each month. Balances and totals calculate automatically as you type.
Order your debts by urgency — not by size. The soonest deadline gets attacked first. Cascade every freed dollar forward.
Find months where two or more deadlines land within 60 days of each other. The workbook flags them automatically.
Assign a payment target to every month between now and your last deadline. Track actual vs. target as you go.
"One missed promo deadline on a $5,000 balance can add $800 to $1,500 in retroactive interest overnight. This workbook costs less than an hour of that damage."
True North Money · Plain tools. Real numbers. No fluff.