Could you say roughly what you owe in total right now, without looking it up?

Yes — I know it within a few hundred

Roughly, within a thousand or so

After minimum payments and normal living costs, what's typically left at the end of the month?

A meaningful amount I could throw at the debt

I come up short and borrow to cover it

If your car or boiler died tomorrow, how would you pay for it?

From savings put aside for exactly this

From savings, though it would sting

On a card, and I'd pay it down after

On a card, and it would join the pile

How predictable is your income?

Mostly steady, with some variation

Is there an order you're paying your debts off in?

I split anything extra across everything

Sort of — I focus on one, loosely

Yes — an order I chose on purpose (highest rate or smallest balance first)

On your cards or revolving debt, you usually pay…

More than the minimum, deliberately, every month

More than the minimum when I can

The minimum, and sometimes late

Do you have a date for being debt-free?

Yes — a date, and I know what it takes to hit it

When money stress hits, what happens to your spending?

I spend more — it's how I cope

Big irregular costs — holidays, birthdays, insurance, car service — are…

Planned and saved for well ahead

Who else knows the real numbers?

My partner or one person I trust

My household, plus someone who holds me to it

Only me, but I'd talk about it if asked

How much do you believe you'll actually clear this debt?

Certain — it's a matter of time

What's the biggest slice of what you owe?

Buy-now-pay-later and overdrafts

Money owed to family or friends

If you could only fix one thing in the next 90 days, which one?

Pick a payoff order and stick to it

Deal with the stress and the avoidance

Are You Ready to Be Debt-Free? The Debt Payoff Readiness Scorecard 💳

Most debt plans don't fail on the maths. They fail on readiness. This free 3-minute scorecard rates the five things that actually decide how fast debt comes off: how clearly you see it, how much room your month leaves you, whether you have a payoff order, whether new debt is still going on, and who is in your corner.

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