{
  "schemaVersion": 2,
  "data": {
    "habits": [
      {
        "id": "h1",
        "name": "No new debt today 🔒",
        "schedule": {
          "type": "daily"
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h2",
        "name": "Check upcoming debt payments 💳",
        "schedule": {
          "type": "weekdays",
          "days": [
            1
          ]
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h3",
        "name": "Look for one cost to cut 🔎",
        "schedule": {
          "type": "timesPerWeek",
          "n": 2
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      },
      {
        "id": "h4",
        "name": "Extra payment set aside this week ➕",
        "schedule": {
          "type": "timesPerWeek",
          "n": 1
        },
        "createdOn": "2026-01-19",
        "archivedOn": null
      },
      {
        "id": "h5",
        "name": "Weekly review: balances updated 🔁",
        "schedule": {
          "type": "weekdays",
          "days": [
            0
          ]
        },
        "createdOn": "2026-01-01",
        "archivedOn": null
      }
    ],
    "habitChecks": {},
    "mindset": {},
    "tasks": {
      "2026-01-05": [
        {
          "id": "t1",
          "text": "List every debt: balance, interest rate, minimum payment",
          "done": false
        },
        {
          "id": "t2",
          "text": "Look for a nonprofit or licensed debt advisor if payments feel unmanageable",
          "done": false
        }
      ],
      "2026-01-08": [
        {
          "id": "t1",
          "text": "Set up automatic minimum payments on all debts",
          "done": false
        }
      ],
      "2026-01-12": [
        {
          "id": "t1",
          "text": "Choose an order: highest interest first, or smallest balance first",
          "done": false
        }
      ],
      "2026-01-15": [
        {
          "id": "t1",
          "text": "Find an extra amount you can pay each month",
          "done": false
        }
      ],
      "2026-01-19": [
        {
          "id": "t1",
          "text": "Make the first extra payment on the target debt",
          "done": false
        }
      ],
      "2026-01-22": [
        {
          "id": "t1",
          "text": "Remove saved cards from shopping sites",
          "done": false
        }
      ],
      "2026-01-26": [
        {
          "id": "t1",
          "text": "Ask one lender for a lower rate",
          "done": false
        }
      ],
      "2026-01-29": [
        {
          "id": "t1",
          "text": "Look for fees you can stop",
          "done": false
        }
      ],
      "2026-02-02": [
        {
          "id": "t1",
          "text": "Sell one unused item and put the money toward the debt",
          "done": false
        }
      ],
      "2026-02-05": [
        {
          "id": "t1",
          "text": "Update the balance list",
          "done": false
        }
      ],
      "2026-02-09": [
        {
          "id": "t1",
          "text": "Look for one more cut in your spending",
          "done": false
        }
      ],
      "2026-02-12": [
        {
          "id": "t1",
          "text": "Add it to the extra payment",
          "done": false
        }
      ],
      "2026-02-16": [
        {
          "id": "t1",
          "text": "Make this month's extra payment",
          "done": false
        }
      ],
      "2026-02-19": [
        {
          "id": "t1",
          "text": "Celebrate progress with something free",
          "done": false
        }
      ],
      "2026-02-23": [
        {
          "id": "t1",
          "text": "Update the balance list",
          "done": false
        }
      ],
      "2026-02-26": [
        {
          "id": "t1",
          "text": "Plan for irregular costs so you don't borrow again",
          "done": false
        }
      ],
      "2026-03-02": [
        {
          "id": "t1",
          "text": "Check your credit report, if it's free where you live",
          "done": false
        }
      ],
      "2026-03-05": [
        {
          "id": "t1",
          "text": "Ask to fix any errors you find",
          "done": false
        }
      ],
      "2026-03-09": [
        {
          "id": "t1",
          "text": "Make this month's extra payment",
          "done": false
        }
      ],
      "2026-03-12": [
        {
          "id": "t1",
          "text": "Move a paid-off debt's payment to the next one",
          "done": false
        }
      ],
      "2026-03-16": [
        {
          "id": "t1",
          "text": "Update the balance list",
          "done": false
        }
      ],
      "2026-03-19": [
        {
          "id": "t1",
          "text": "Work out your debt-free date at this pace",
          "done": false
        }
      ],
      "2026-03-23": [
        {
          "id": "t1",
          "text": "Make this month's extra payment",
          "done": false
        }
      ],
      "2026-03-26": [
        {
          "id": "t1",
          "text": "Compare total debt with week 1",
          "done": false
        }
      ],
      "2026-03-28": [
        {
          "id": "t1",
          "text": "Choose next quarter's target",
          "done": false
        }
      ]
    },
    "weeklyMindset": {}
  },
  "settings": {
    "weekStart": 1,
    "weekBands": "calendar",
    "theme": "light",
    "accent": "#6d7cff",
    "weekColors": [
      "#7b61ff",
      "#35c7ff",
      "#3ddc97",
      "#ff5cad",
      "#ff8fab",
      "#ffd166"
    ],
    "locale": "en"
  },
  "ui": {
    "view": "habits",
    "month": "2026-01",
    "weekOf": "2026-01-05"
  }
}