as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
money saved on finance charges
user
avoiding a cost (interest) isn't quite the same as income. there is no entry, nothing for you to consider for this avoided interest.  what you do have is an expense that's no longer there, and you can decide to use that money elsewhere each month.
assistant