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0%Balance Breakdown
Transfer Expiry Timeline
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Quick Start Guide
Watch this quick masterclass to learn how to add cards, track your surplus, and manage expiry dates effectively.
! Understanding "Spending Surplus"
Your Spending Surplus is the difference between all active 0% Transfers on a card and that card's Actual Balance.
Green (Positive) Surplus: This means you have more 0% credit secured than debt owed. Effectively, this is your Emergency Buffer—money you can spend on the card without triggering immediate high interest rates.
Red (Negative) Surplus: Your debt exceeds your 0% arrangements. You are likely paying standard interest on the difference.
Debt Payoff Strategies
ZeroBasis is a tool to help you manage and visualise your debt. Here are common strategies you can use with this data:
The ZeroBasis Strategy (Time-Based)
Focus on the Expiry Date. Prioritize paying off transfers that are about to expire. Use the dashboard "Expiring Soon" warnings to avoid reverting to standard APR.
The Avalanche (Interest-Based)
Mathematically the most efficient. List all debts by Interest Rate (highest to lowest). Pay minimums on everything, but throw all extra cash at the highest interest debt.
The Snowball (Momentum-Based)
Psychologically rewarding. List debts by Balance Size (smallest to largest). Pay off the smallest balance completely first to get a "quick win" and build momentum.
App Workflow
- Add Cards: Input your credit cards and bank accounts.
- Log Transfers: Whenever you move money (Balance Transfer, Money Transfer), record it here.
- Promo Spending: If a card has a "0% on Purchases" offer, enable it in the card settings. The app will auto-calculate your spending as a virtual transfer.
- Update Monthly: Update your balances manually as often as you want, but try to do it at least once a month when your statements are released.
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Data Management
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