Paying off debt model


Unintentional Model

C: goal to pay $265.64/ reach $36,999 total balance by EOM
T: I should be able to do that
F: pressure
A: question whether it’s actually in my budget. wonder what my paycheck will look like from my new job. don’t do any actual math. pay it.
R: I pay it at my own expense

Intentional Model
C: goal to pay $265.64/reach $36999 total balance by EOM
T: maybe I don’t need to be in a hurry
F: curious
A: take a deep breath. look at my budget realistically. wait until I get paid to evaluate. make sure all my expenses are covered before paying towards debt. maybe I pay it/maybe I don’t by EOM
R: I am taking care of my overall finances ?