Your 90-day plan, as phone reminders

Pick your start date, download one file, open it, and your phone's calendar carries the whole plan — every mailing day, checkpoint, and follow-up, nagging you at the right time so you never have to remember any of it.

1. When is (or was) your Day 1?

The day you downloaded the toolkit and started Chapter 15. Reminders arrive at 9:00 AM.

2. Optional: your cards' payment reminders

Add each card and you'll also get two monthly repeating reminders per card: "pay before the statement closes" (the score play from Chapter 11) and "minimum due soon" (the never-miss-a-payment alarm). Leave blank to skip.

Closing day: in your card's app, or the "balance updated" date on your credit report. It is NOT the payment due date.

Then open the downloaded file — your phone or computer will ask to add the events. Works with Apple, Google, and Outlook calendars.

Private by design: this page builds the file inside your browser. Nothing you type here is sent, stored, or seen by anyone — you can even load this page, turn off your wi-fi, and it still works.