# Keeping the Momentum 🚀 **URL:** \ **Category:** Money Matters\ **Created:** [June 23, 2026, 4:00pm UTC](https://neofinancial.discourse.group/t/keeping-the-momentum/5934 "2026-06-23T16:00:14Z")\ **Posts on this page:** 2\ **Page:** 1
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [June 23, 2026, 4:00pm UTC](https://neofinancial.discourse.group/t/keeping-the-momentum/5934/1 "2026-06-23T16:00:14Z")
Following up on yesterday’s chat about small expenses, there’s one major trap that catches a lot of us early on: the minimum payment trap. Traditional banks love making that tiny minimum payment look like an easy win. And while paying just the minimum _does_ keep your account in good standing, carrying over the rest of your balance means you get hit with high interest. A huge myth is that you need to pay interest to build credit. You don’t! To really level up your score (and keep your hard-earned money in your pocket), the goal is paying that statement balance in full. An easy hack? Put a small subscription on auto-pay, and set your account to clear the balance automatically every month. Set it and forget it. What’s your go-to strategy for staying on top of your payment due dates? 👇 ---
**Author:** ![sandeepbh](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/sandeepbh/32/2135_2.png) [@sandeepbh](https://neofinancial.discourse.group/u/sandeepbh)\ **Post date:** [June 23, 2026, 7:33pm UTC](https://neofinancial.discourse.group/t/keeping-the-momentum/5934/2 "2026-06-23T19:33:08Z")
What i do is when i get my pay into my account i pay out the credit card bill along with moving money to TFSA,RRSP,FHSA and also savings. I get it twice a month so i pay out twice a month so that keeps my credit card bill paid every 15 days. This works for me doesnt mean it works for everybody.