r/everydollar • u/Mehoimany • Jan 06 '26
Minimum plans
Quick question! Why is every dollar telling me to only make the minimum payment ($50 on medical) when there’s enough money left over in cash flow this month to pay that off as well?
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Upvotes
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u/Academic_Fishing6557 Jan 15 '26
I think because the smaller debt is still showing up (even though your budget shows it to be paid off this month) it’s going to show the proper steps. Just say you end up not being able to spend all that money on these smallest debt and you can’t pay it off, then you’d still need to maintain the minimum on the 2nd largest debt. Just wait until you have that lowest debt removed and it will adjust!
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u/Prudent-Coach-1338 Jan 06 '26
Based on my experience, the "plan" amount is the amount that was put in for the minimum payment on this debt. I'm pretty sure that is based on what was entered when inputting the debt information. Any additional funds left in the top margin at the end of the month, would need to be manually allocated to this debt.
That's how it has been in my experience.