Consolidation is not magic
Moving debt can reduce pressure, but the win disappears if the original spending pattern stays untouched.
- List credit cards, personal loans, BNPL and hire purchase separately.
- Model repayments before and after consolidation.
- Keep repayments high where possible to pull the debt-free date closer.
Make progress visible
Clients need to see more than a lower repayment. Show interest saved, debt-free date, and the money that becomes available after the reset.
- Use a debt timeline, not just balances.
- Show the next month action, not a giant life plan.
- Connect surplus to emergency money before investing everything.