The starting point
Marko had €4,200 of debt spread across a card and an overdraft. The first step wasn't cutting costs — it was seeing them.
In the simulator he set a scenario: a fixed monthly payment and one cancelled streaming service. The app showed the date the debt hits zero.
One serious decision: his work bonus went entirely to repayment. The result — debt-free in 11 months, with no drastic cuts.