Using the first letter of each word in a list to create an easily remembered phrase is an example of

There is no phrase or options

If you pay the minimum toward your balance each month, here’s what you can expect to happen: paying down your debt will take much longer.you’ll rack up bigger interest charges.your credit score could take a hit.

With the name kĺťga (pronounced koh-ga), kĺť means fire. also, ko without the accent mark, means "heart, body and soul." so you could use the name kĺťko. it is not a masculine sounding name in english. you could also use a modified form like kokoro.