Notes
Pages from the planning desk.
Written for households sorting hire-purchase, cards, cooperative loans, and the cash that leaves at the morning market.
When the pickup instalment and the card fall in the same week
Salary often arrives after both debits. The useful question is which minimum protects the vehicle the job needs, and which balance is costing more in interest.
What to gather before a first meeting in Kaluwo Nuea
The first meeting goes further when the folder is complete. A missing card page is the usual reason a second meeting has to wait.
A spending review that starts at the morning market
The morning market is often the largest cash habit and the least written down. A review starts there, then separates gifts to family from the instalment that cannot move.
Write the full list before you choose a repayment order
Choosing highest interest or smallest balance is the second step. The first step is a list that includes the account everyone has been leaving off.