Debt Over Time (excl. Honda Civic)
Net Worth Over Time
Current Debt Breakdown
Interest Rate Comparison
Monthly Budget Breakdown
Credit Card Progress
Citi — Paid Off Oct 2025 ✓
Wells Fargo — Paid Off Nov 2025 ✓
Barclays — Paid Off Sep 2025 ✓
US Bank — $0 (unused) ✓
Visa Gold — $2,385 (0% → 25.49%)
Amex Blue — $3,142 (24.49%)
Credit Utilization Over Time
Monthly Cash Flow Waterfall
📅 Complete Journey Timeline
📋 Subscription Audit
Active Monthly
None — all monthly subs cancelled! 🎉$0
Monthly Total$0/mo
Cancelled Monthly ✂️
Tidal$11.90
Dropbox$6.50
Patreon Creator$4.10
Usenet Provider (monthly)$12.99 → $4/mo yearly
Saved$31.49/mo
Active Yearly
Streaming Premium~$155+tax
Phone Plan$420.00
Subtitle Service$18.90
AI Assistant Pro$240+tax
Usenet Provider$41.88
Yearly Total~$875.78/yr
Cancelled Yearly ✂️
Cloud VPS$178.56
Media DB—
Pharmacy Discount—
Saved$178.56+/yr
Family Business Website
Domain$12.98/yr
Email$17.88/yr
Hosting$54.88/yr
SSL$15.20/yr
Total$100.94/yr
💊 Healthcare Expenses
Prescription Med 1
$168
Quarterly · ~$56/mo
Prescription Med 2
$210
Yearly · ~$17.50/mo
Monthly Average
$73.50
Combined healthcare cost
📈 44-Month Full Projection — Debt Free → Wealth Building
⚠️ Pre-Emergency Projection: This was modeled before the Mar 2026 furnace emergency ($3,750 repair + $18,200 Home Repair loan + Amex Blue reactivated). Actual payoff dates and savings growth will be delayed. Use as an aspirational roadmap, not a guarantee.
📊 Updated Projection (Post-Emergency, Mar 2026)
Debt-Free Date
June 2029
39 months from April 2026
Total Interest Paid
$11,284
On $53,870 starting debt
Monthly Available
$1,738
For all debt payments
Payoff Order (Avalanche)
1. Visa Gold — Feb 2027
2. Amex Blue — Oct 2027
3. PenFed — Apr 2028
4. LendingTree — May 2028
5. Prosper — Aug 2028
6. Home Repair — Jun 2029
✅ Avalanche method with $1,738/mo. Visa Gold stays lowest priority at 0% APR, then becomes #1 target when it jumps to 25.49% in July 2026. ⚠️ May 2026 is tight — $890 car insurance lump reduces payment capacity.
🥗 Meal Prep Projection (Mar 2026)
Debt-Free Date
January 2029
34 months from April 2026
Months Saved
5 months
vs. June 2029 (original)
Total Interest Paid
$9,548
On $53,870 starting debt
Interest Saved
$1,736
vs. original $11,284
Payoff Order (Avalanche)
1. Visa Gold — Nov 2026
2. Amex Blue — Mar 2027
3. LendingTree — Oct 2027
4. PenFed — Dec 2027
5. Prosper — Mar 2028
6. Home Repair — Jan 2029
🥗 Meal prep saves $165/mo ($1,903 vs $1,738 for debt). That's $165/mo extra toward debt, knocking 5 months off and saving $1,736 in interest. Same sandwiches, way less debt.
Payoff Projection — Scenario A (Pre-Emergency)
⚠️ This projection was created before the Mar 2026 furnace emergency. Actual timeline will differ due to new Home Repair loan ($18,200) and increased credit card debt. A revised projection is needed.
Original Avalanche Plan (Pre-Prosper Consolidation)
The original 24-month plan from Dec 2025, before the Prosper consolidation simplified the debt structure. Shows each creditor being eliminated one by one.