Balance, interest rate, minimum payment. UtangPlanPH does this in the Debts tab.
Avalanche: pay highest interest first — saves the most money.
Snowball: pay smallest balance first — fastest wins, best for motivation.
Even ₱500 extra/month cuts years off a credit card balance.
Freeze BNPL apps and remove saved cards from shopping apps.
Update balances in UtangPlanPH — watch your debt-free date move closer.