Avg Audit Score
41/100
Jan–May 2026 average
Monthly Interest Drain
$1,484
$17,807/year — priority #1 to cut
Avg Monthly Net
$-3,115
5 of 5 months ran deficits
Debt Attack Order — Avalanche Strategy
Pay minimums on everything. Put every extra dollar toward the highest APR first.
When one is paid off, roll that payment to the next.
| # | Account | Balance | APR | Interest/mo | Strategy note |
|---|---|---|---|---|---|
| 1 | Bank of America ATTACK NOW | $12,672.45 | 28.240% | $298.22 | Kill first — highest APR |
| 2 | Home Depot | $1,956.46 | 25.990% | $42.37 | Small balance — eliminate fast |
| 3 | Capital One (EJ) | $4,896.27 | 24.800% | $101.19 | After Home Depot |
| 4 | Capital One (GM) | $7,572.02 | 24.800% | $156.49 | After Capital One (EJ) |
| 5 | TD Bank GEM | $21,098.25 | 21.490% | $377.83 | After Capital One (GM) |
| 7 | TD Bank (EJ) | $10,314.41 | 14.740% | $126.70 | After TD Bank GEM |
| 8 | Personal Loan | $15,632.28 | 13.250% | $172.61 | After TD Bank (EJ) |
| 9 | Car Loan | $33,004.55 | 7.580% | $208.48 | Last — lowest rate |
What-If Payoff Calculator
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Payoff in
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vs minimum only
January 2026
43/100 — Concerning
$-2,867
Income
$16,701
Expenses
$19,569
Diezmo
56%
$934
Month ended -$2,867
Expenses $19,569 exceeded income $16,701.
Diezmo only 56%
$934 of $1,670. Short $736.
BofA $12,672 @ 28.24% — $298/mo interest
EZPass ~$490 also on this card. Pay $1,288/mo to reduce balance by $500.
Home Depot $1,956 — eliminate this
25.99% APR. One payment of $1,956 kills it permanently.
Identify what caused the overspend
Fun/Dining $457, Merchandise $533, Tati/Mami $1,950
February 2026
50/100 — Needs Attention
$-5,307
Income
$11,995
Expenses
$17,302
Diezmo
83%
$1,000
Month ended -$5,307
Expenses $17,302 exceeded income $11,995.
Diezmo 83%
$1,000 of $1,200. Short $199.
BofA $12,672 @ 28.24% — $298/mo interest
EZPass ~$490 also on this card. Pay $1,288/mo to reduce balance by $500.
Home Depot $1,956 — eliminate this
25.99% APR. One payment of $1,956 kills it permanently.
Identify what caused the overspend
Fun/Dining $259, Merchandise $488, Tati/Mami $1,200
March 2026
30/100 — Critical
$-4,365
Income
$14,756
Expenses
$19,121
Diezmo
65%
$961
Month ended -$4,365
Expenses $19,121 exceeded income $14,756.
Diezmo only 65%
$961 of $1,476. Short $515.
BofA $12,672 @ 28.24% — $298/mo interest
EZPass ~$490 also on this card. Pay $1,288/mo to reduce balance by $500.
Home Depot $1,956 — eliminate this
25.99% APR. One payment of $1,956 kills it permanently.
Fun/Dining $1,677
$1,177 over $500 baseline. Each $100 cut = $1,200/yr toward debt.
Merchandise $649
Shopping running high this month.
Identify what caused the overspend
Fun/Dining $1,677, Merchandise $649, Tati/Mami $1,400
April 2026
39/100 — Concerning
$-864
Income
$15,896
Expenses
$16,760
Diezmo
36%
$566
Month ended -$864
Expenses $16,760 exceeded income $15,896.
Diezmo only 36%
$566 of $1,590. Short $1,024.
BofA $12,672 @ 28.24% — $298/mo interest
EZPass ~$490 also on this card. Pay $1,288/mo to reduce balance by $500.
Home Depot $1,956 — eliminate this
25.99% APR. One payment of $1,956 kills it permanently.
Fun/Dining $1,131 — watch this
Running high. Budget: $500/mo.
Identify what caused the overspend
Fun/Dining $1,131, Merchandise $366, Tati/Mami $1,150
May 2026
45/100 — Concerning
$-2,174
Income
$13,897
Expenses
$16,071
Diezmo
88%
$1,223
Month ended -$2,174
Expenses $16,071 exceeded income $13,897.
Diezmo 88%
$1,223 of $1,390. Short $167.
BofA $12,672 @ 28.24% — $298/mo interest
EZPass ~$490 also on this card. Pay $1,288/mo to reduce balance by $500.
Home Depot $1,956 — eliminate this
25.99% APR. One payment of $1,956 kills it permanently.
Merchandise $753
Shopping running high this month.
Identify what caused the overspend
Fun/Dining $402, Merchandise $753, Tati/Mami $750