The First 48 Hours: Fast Wins That Shrink Your Debt Timeline

Before you budget or build complex spreadsheets, grab the biggest wins that don’t require sacrifice.

Do this today:

1. Turn on autopay minimums for every debt (prevents late fees + score dings).

2. Call and request APR reductions (use the script below). Even 2–4% off saves real money.

3. Ask about promos: balance‑transfer offers, hardship programs, or fee waivers.

4. Set a weekly Money Power Hour on your calendar.

   
   

APR Call Script:“Hi, I’ve been a reliable customer since [year]. Can you review my account for a lower APR or promotional rate? I’m comparing options and would like to stay if we can improve the rate.”If “no”: “Is there a supervisor or retention offer I can speak with?”

Mini Example:Balance $6,000 at 24% vs. 18% APR can shave months and hundreds in interest with the same payment.

Want a complete 90‑day checklist? Download the Optimize Taxes and Debt guide at GloriousWealthFirst.com.