Monthly check-ins, debt kill order progress, and savings goals — all in one place.

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How it works: Log a new entry each month. Fill in your balances, capture your wins, set next actions. Each entry auto-tracks House Fund, CC Debt, Emergency Fund, and all four debt accounts.

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Current Kill Order: (updated October 30, 2026)

1. Credit One — PAID OFF ✅
2. Apple Card — $678.66 (25.74% APR)
3. Discover — $3,092.00 (25.49% APR)
4. Chase Sapphire — $8,200.00 (26.74% APR) ← you are here (highest interest)
5. Student Loan — $10,079.49 (deferred)

CC Debt Total: $11,970.66 · Emergency Fund (Chase Savings): $578.00 (above $500 floor) · House Fund (Marcus HYSA): $2,260.00 (30.1% of $7,500) — accounts swapped Oct 16

⚠️ Chase Sapphire: $400 paid 10/25, no minimum due this cycle. Apple Card up again ($575 → $679, $276 new spending) — re-freeze it. Oct 30 plan: tithe $182, WGU loan ~$125 (Nov 1), Amicable life insurance, living cap $245 on debit, Apple/Discover mins, rest as extra to Chase. (Prior note: Tithe is a flat $182 per paycheck (no more catch-up). Take-home $1,818.82. Oct 16 plan: bills $249.60, living $245, already spent $285 → extra $444.22 to Chase (total $738.22 this period). The $2,000 lump-sum paydown would come out of the house fund — not spare cash.)

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Pro tip: Link your monthly financial entry to your Monthly Review journal entry. Reflect on money and life in the same breath.

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Finances