Debt Drag guide
Debt Control
Understand how debt quietly drains your monthly income, and what it costs you.
What it is
Debt drag is the percentage of your monthly take-home that flows straight to debt repayments before you can use it for anything else. It is not about the total amount owed. It is about the monthly pull: the slice of every payday that is already spent before you spend it.
When you need it
After you have a functioning cashflow picture. If your surplus is smaller than it should be given your income, debt drag is usually why. Understanding the drag number tells you whether your debt is a slow leak or a structural block.
Why it works
Naming the number removes the shame. Most people avoid looking at debt because it feels like a judgement. A percentage is not a judgement. It is a starting point. Once you see the drag clearly, you can decide what to do about it with a clear head.