Why inquiry-based
A repayment plan that ignores your actual cash flow is a guess. The inquiry-based model exists so that the first thing we see is your real situation, not a sales script. You describe the debt and the emergency concern in your own words; we ask for the figures that matter; the plan is built from those figures and nothing else.
The five working principles
- Sequence before sacrifice. The order in which debts are cleared changes the total cost more than the size of the payment. We settle the sequence first.
- A buffer is part of the plan. Clearing debt while holding no savings tends to create fresh borrowing at a higher rate. A small emergency fund runs alongside repayment by design.
- Survivable monthly figures. A monthly figure you cannot hold for a year and a half is not a plan. We size to what your household can sustain.
- No guaranteed outcomes. We will not promise a payoff date that depends on income you do not yet have. Forecasts are labelled as such.
- Plain language. The written plan avoids jargon. If a term is unavoidable, it is defined where it appears.
What we ask you to bring
For the session to be useful, we ask for the following, gathered before we meet:
- A list of debts with current balance, interest rate and minimum payment
- Your take-home income and the day of the month it arrives
- Fixed obligations: rent or mortgage, utilities, transport, school fees
- Any existing savings and what you have used them for in the past year
- A rough note of the last three events that pushed you toward new debt
You do not need to format any of this. A photograph of a notebook page is fine.
What you receive
After the session you receive a brief written document — typically two to four pages — containing the repayment sequence, the emergency-fund target with its stages, the monthly figures that connect them, and a note on what would require the plan to be revisited. The plan refers to your numbers, not a template.