A debt register makes shortcuts visible and priceable — each entry with interest cost and payoff estimate — turning 'we should refactor' arguments
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When the shortcut ships, record it: what was skipped, why, what it costs monthly (slower features, incidents, workarounds), and roughly what payoff costs.
Debt that slows every feature in a hot module is expensive; ugly-but-stable code in a dead corner is nearly free. The register ranks by interest, not by engineer annoyance.
A standing capacity slice (commonly 15–20%) retiring the highest-interest items, plus opportunistic paydown when features touch indebted areas anyway.
Quarterly: new borrowings, retired items, interest re-estimates — the register keeps debt a managed number instead of ambient dread.
Skipping the discipline this article describes until an incident, audit, or stalled project forces it — every practice above is cheaper adopted early than retrofitted under pressure.
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