One app. One plan. Zero juggling. This guide is about how Changed turns your debt payoff goals into a background system combining Round-Ups, Boosts, and an automated Snowball or Avalanche so progress happens while you live your life.
In this post you’ll learn:
What to automate inside Changed (and why it works)
A 5-minute setup that stacks Round-Ups + Boosts + Snowball/Avalanche
See Your Progress (With Changed vs. Without Changed)
Ways to keep momentum with tiny, realistic extras
How to track your credit score while debt balances fall
Round-Ups: Everyday purchases round to the next dollar; the spare change stacks toward your debt. (Typical: ~$50–$100/mo; varies.)
Boosts: Add power with scheduled (e.g., $10 every Friday) or one-time Boosts when you have extra cash.
Automated Snowball or Avalanche: Pick your method once; Changed routes payments to the right debt in the right order—no spreadsheets.
All-in-one dashboard: Clear view of where you’d be without Changed vs. with Changed—time saved, interest avoided, and a new estimated debt-free date.
One home for all debts: Connect accounts once. No 19 logins.
Credit score monitoring: See long-term trends as utilization improves.
Connect your checking and link your debts.
Turn on Round-Ups for effortless daily momentum.
Add a scheduled Boost you’ll barely feel (e.g., $10 every Friday).
4. Choose your core method:
💡 Pro tip: If your Round-Ups land closer to $50 but you want ~$100+/mo of momentum, pair them with a small weekly Boost.
Think of your plan as three layers that run on autopilot:
1) Round-Ups = baseline progress
Invisible, daily. You live; they stack.
2) Boosts = your “oomph” dial
Scheduled Boosts lock in consistency.
One-time Boosts catch windfalls: tax refund, bonus, marketplace sale.
3) Snowball/Avalanche = optimized order
Changed allocates every dollar to the right debt based on your chosen method, automatically.
🧪 Example stack: Round-Ups + $10 Friday Boost + Avalanche = consistent background payments that chip away interest faster—without micromanaging.
You don’t need perfect months—you need repeatable months. Automations remove decisions (and decision fatigue), which keeps you on track. When extra cash appears, send a one-time Boost. Even $20–$50 can nudge your date forward.
📌 Mini-habits that actually stick:
$5–$10 Boost each payday
Rounding up grocery runs & transit swipes
One-time Boosts from side gigs or refunds
Your dashboard compares with Changed vs. without Changed and updates your:
Estimated debt-free date
Projected interest saved
Payment history & statuses
Use it as a motivator, not a scoreboard. If a month gets tight, tweak your Boosts; Round-Ups keep cruising.
All your balances, one login.
No hopping between portals, no guessing “which debt is next.”
Changed keeps the order of operations straight so you don’t have to.
As everything lives in one place, you’ll also see your long-term credit picture start to shift.
What we see in Changed:
Round-Ups typically add ~$50–$100/month toward debt (varies).
The most common “set-it” combo is Round-Ups + a $10 weekly Boost—steady balance drops without micromanaging.
Avalanche is popular for revolving debt since it hits high-APR cards first, cutting interest and utilization.
Quick wins for score health:
Keep Round-Ups on and add a weekly Boost for automatic utilization relief.
Use Avalanche to push more to high-APR cards.
Drop a one-time Boost 3–5 days before statement close to lower the reported balance.
Keep long-standing, fee-free cards open to preserve available credit and account age.
1) Easy Mode — Momentum First
Round-Ups ON
$10 Friday Boost
Snowball automation
Best for: quick wins and visible progress.
2) Interest Assassin — Cost Cutter
Round-Ups ON
$25 1st-of-month Boost
Avalanche automation
Best for: minimizing total interest paid.
3) Weekend Warrior — Low Lift
Round-Ups ON
$5 Saturday Boost + occasional one-time Boosts
Snowball automation
Best for: gentle, steady background payoff.
Tight month? Pause or lower your scheduled Boost. Round-Ups keep working.
Tax refund season? Send a one-time Boost to your highest-interest debt (Avalanche FTW).
Side-gig weekend? Boost part of your earnings Monday morning and enjoy the rest guilt-free.
Can I pause Round-Ups or Boosts?
Yes—change or pause anytime.
What if my card changes?
Update it inside Changed; Round-Ups will keep rolling.
When do payments post to my creditor?
Timing varies by creditor; you’ll see statuses and history in the app.
Strategy + automation + visibility = momentum. With Changed, Round-Ups give you effortless baseline progress, Boosts add controllable power, and Snowball/Avalanche keeps every dollar pointed where it should go. Your plan runs in the background; your debt-free date moves closer.