📊 Financial Plan
Keep it simple. One step at a time. · March 2026
Your Progress 🏡
toward debt-free & house-ready
Total Debt
$48,345
Paid Down
$11,655
Savings
$9,747
You're doing this. Every payment moves that bar. 💪
Friday — Action Required
💸 Pay $4,747 to OneMain — Principal Only
Log in to OMF.com → Make Payment → select "Principal Only"
Keeps $5,000 in savings · OneMain drops to ~$4,156 · Saves ~$3,200 in interest
🔁 Cancel Plaud.ai duplicate
Charged on both Apple Card AND Novo — cancel one. Free $40/mo instantly.
MONTHLY SNAPSHOT
Income
$9,171
day job + IHSS
Bills
$5,188
all fixed costs
Left Over
$3,983
attack debt with this
✅ CC business revenue is a bonus weapon — every event = months off your timeline
KILL ORDER — HIGHEST APR FIRST
Pay minimums on everything. Stack all extra on #1. When it's dead, move to #2.
Smile Generation
Kill first — small & expensive
$852
30.49% APR
OneMain Financial
After Friday's $4,747 payment
$4,156
35.95% APR
Instacart Mastercard
High APR, attack next
$3,927
27.24% APR
Costco Visa (Citi)
$2,593
26.74% APR
Target Credit Card
$1,227
26.4% APR
Apple Card
Biggest — save for last
$13,522
19.74% APR
Disney Chase Visa
Call in June for APR reduction
$1,360
19.49% APR
Car Loan (Fifth Third)
Lowest rate — don't rush
$11,556
4.49% APR
LAFCU Personal
Moderate rate
$4,405
12.25% APR
🎉 WINS SO FAR
✅ Amazon — paid off
✅ Chase Freedom — paid off
✅ LinkedIn — cancelled ($60/mo saved)
✅ RebelGrowth — cancelled ($97/mo saved)
✅ Skool — cancelled ($5/mo saved)
✅ Amazon Kids+ — cancelled
✅ Manus AI — auto-cancels Mar 21 (~$100/mo saved)
✅ HeyGen — cancels Apr 14 ($20/mo saved)
$282/mo saved from cancellations alone 🔥 That's $3,384/year back in your pocket.
🏡 THE HOUSE PLAN
Get utilization under 30%
6–12 months
Pay off OneMain completely
12–18 months
Kill Smile Gen + small cards
3–4 months after
Credit score 680–720+
Follows naturally
Down payment saved ($20k+)
While attacking debt
Apply for mortgage
18–24 months
The debt plan IS the house plan. Same thing. 🏡