Afterpay Before Christmas | The Sprint to $0
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Finish the year with less debt, better habits, and a fresh start.
Afterpay Before Christmas is a personal debt-payoff sprint designed to help you face your Afterpay balance, take control of your repayments, and break the habits that keep pulling you back into debt.
This isn’t about pretending money is easy or expecting perfection. It’s about being honest about where you are, making a plan, and taking consistent action to change your financial habits.
THIS SPRINT IS FOR YOU IF YOU’RE READY TO:
Get honest about your Afterpay debt instead of avoiding it.
List every outstanding order and repayment.
Create a clear picture of what you owe.
Follow a structured plan to work towards paying off your balance by Christmas.
Recognise the spending habits and emotional triggers that contribute to debt.
Build healthier money habits that last beyond December.
Take responsibility for your finances without letting shame keep you stuck.
WHAT YOU’LL WORK THROUGH:
The full picture: Bring every Afterpay order into one place so you know exactly where you stand.
The mindset: Challenge the shame, avoidance, and spending patterns that can keep you stuck.
The action plan: Break your goal into manageable steps and follow your progress.
The accountability: Keep showing up, reviewing your repayments, and adjusting your plan when needed.
THE GOAL: $0 BY CHRISTMAS.
Your circumstances and repayment schedule will determine what’s achievable, but you can start making meaningful progress today.
You don’t have to wait until the new year to change your relationship with money. Start with honesty, take the next step, and build from there.