⚠️ Current Capital Situation (Feb 19)
Estimated Cash on Hand: ~$70 | Next Paycheck: Feb 20 ($1,170) — Allocated Entirely to Rent & Expenses
The Feb 20 paycheck will go entirely to rent and other living expenses — no debt payments this cycle. Debt payoff begins with the Mar 6 paycheck ($1,170). Personal debt payments to Bee have been removed from the plan. Electric bill reduced to $50/month. With these adjustments, aggressive debt payoff starts fresh on March 6.
📊 Strategy Metrics
📈 Projected Debt Reduction
📊 Credit Score Recovery
📅 Monthly Payment Breakdown
| Month | Card 1 | Card 2 | Card 3 | Card 4 | Total Debt Payment | Est. Balance |
|---|
📆 March 2026
📆 April 2026
🎯 Action Plan — March & April 2026
💵 Mar 6 Paycheck ($1,170 — Debt Payoff Begins)
• Rent ($475) + Electric ($50) = $525
• Card 4 min ($57) due Mar 4
• Card 2 min ($40) + Card 3 min ($40) due Mar 11
• Card 1 min ($25) due Mar 13
• Internet ($90) due Mar 16
• Living expenses: ~$100
• Available for extra debt payments: ~$293
💵 Mar 20 Paycheck ($1,170)
• Phone ($30) + Insurance ($75) due Mar 21 = $105
• Living expenses: ~$100
• Set aside for Apr 1 Rent ($475) + Electric ($50) = $525
• Available for extra debt payments: ~$440
💵 Apr 3 Paycheck ($1,170)
• Rent ($475) + Electric ($50) = $525 (if not pre-paid)
• Card 4 min ($57) due Apr 4
• Card 2 min ($40) + Card 3 min ($40) due Apr 11
• Card 1 min ($25) due Apr 13
• Internet ($90) due Apr 16
• Living expenses: ~$100
• Available for extra debt payments: ~$293
💵 Apr 17 Paycheck ($1,170)
• Phone ($30) + Insurance ($75) due Apr 21 = $105
• Living expenses: ~$100
• Set aside for May 1 Rent ($475) + Electric ($50) = $525
• Available for extra debt payments: ~$440