The monthly total matters more than the size of any single instalment.
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Add the plans
Our visual adds €60, €40, €75, €55 and €70: a combined €300 due during the next month. These are illustrative repayments, not interest charges.
Give every payment a date
The sample due dates are the 5th, 10th, 15th, 20th and 25th. Use your actual agreement dates and match them to the timing of your own income.
Record what remains
The next-month total is not necessarily the entire outstanding balance. Keep remaining debt and amounts due in the next 30 days as separate columns.
Review before adding a new purchase
Calculate essentials, all existing obligations and a reserve before treating the advertised instalment as affordable.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.