What Happens in Each Session
Each session has a focused objective. You come prepared with your documents, and you leave with concrete knowledge you can apply immediately.
Reading the Fine Print
Most people sign financial contracts without fully understanding them — not because they lack intelligence, but because the language is deliberately technical. This session demystifies that language.
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Nominal vs. Effective Annual Rate (TNA vs. TEA)
Understand why these two numbers are different and which one tells you the real cost of borrowing.
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Fee and charge identification
Locate all fees in your contract — origination fees, administrative charges, mandatory insurance — and understand how they affect your total cost.
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Penalty and default clauses
Understand what happens contractually if you miss a payment or want to pay early.
Bring to this session: All credit contracts you currently have active — credit card agreements, personal loan documents, store financing papers.
Total Financial Cost
Knowing your monthly payment is not the same as knowing what you're paying. This session takes you through the full calculation of what each obligation actually costs you from start to finish.
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Reading amortization tables
Understand how each payment divides between interest and principal reduction — and why early payments carry more interest.
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Total interest calculation
Calculate the exact total amount you'll pay in interest across the life of each loan or credit line.
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Remaining balance at any point
Determine how much you actually owe today — not just the scheduled remaining payments.
Payment Priority Plan
With a clear understanding of what each obligation costs, you can now organize them strategically. This session produces a written, personalized plan.
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Debt prioritization by real cost
Order your obligations by their effective interest rate — not by balance or emotional weight — to identify where to focus additional payments.
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Early cancellation analysis
Calculate whether paying off a specific obligation early actually saves money, accounting for prepayment penalties and the opportunity cost of that cash.
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Monthly cash flow mapping
Understand how your current obligations interact with your monthly income and identify realistic opportunities for additional payments.
