Money Dashboard

Effective APRs (interest ÷ balance) run roughly: Prime Visa ~27%, Capital One ~21%, Sapphire ~18%, Southwest ~17%. That is a higher rate than your mortgage and HELOC, compounding on revolving balances.

Suggested, in order:

• Avalanche by rate — put every spare dollar on the highest-rate card first (Prime Visa → Capital One → Sapphire → Southwest), paying minimums on the rest.
• Balance transfer the highest-rate balances (Prime + Capital One + Sapphire ≈ $15.5k) to a 0%-intro-APR card. A typical 18-month 0% offer with a ~3% fee costs ~$465 up front and saves ~$3,200+ in interest over the intro window.
• Stop charging the Southwest while it carries a balance — each new purchase compounds at ~17%. Route everyday spend to a card you pay in full, or to debit.

Rule of thumb: every $10,000 moved off these cards saves ~$1,700–$2,700 / yr.

Being over the limit risks an over-limit fee and a penalty APR, and a maxed card disproportionately drags your credit score. It is also your smallest balance at the highest rate — the easiest first win.

Action: pay it at least under $2,200 now, ideally to $0. Clearing this card removes your highest-APR balance entirely.

The Priority fee pays off only if you use the perks (Companion Pass progress, upgraded boardings, the $75 Southwest credit, anniversary points). You do travel, so it may pencil out — but at 92% utilization you are paying ~17% on a $31k balance, which dwarfs any perk value.

Action: confirm you are actually using the travel perks. If not, product-change to a no-annual-fee Southwest card — it keeps the account age and drops the $229.

Sling is the most expensive and is the only one used for live TV. If you're not actively watching it, that's $610 / yr alone. The Sling + HBO Max + Netflix combo also overlaps in on-demand catalog.

Suggested: Pick one (Netflix is the cheapest "primary"). Drop Sling if live-TV use is low (or replace with a free over-the-air antenna for local channels). Keep HBO Max for prestige shows.

YouTube Premium includes YouTube Music. Spotify is a separate music subscription. Pick one.

Suggested: Drop YouTube Premium ($140/yr) if Spotify is the daily driver, or drop Spotify ($184/yr) if YouTube is. Note: Spotify hasn't billed since Mar 24 — possibly already canceled, verify.

You also shop Aldi, Safeway, Costco, Trader Joe's, and Whole Foods regularly. These three delivery subs largely overlap — Factor75 is prepared meals, Thrive Market is pantry staples, Oats Overnight is breakfast.

Suggested: Pick the most-used one (Factor75 likely, given recency). Cancel the other two. Save ~$1,000/yr.

Two separate Apple charges suggest you're paying for ~3–4 services à la carte (likely iCloud + Apple TV+ + Music or Arcade). Apple One Family bundle ($22.95/mo) includes iCloud 200GB, Music, TV+, Arcade for the whole family — usually cheaper than à la carte.

Suggested: In Settings → Apple ID → Subscriptions, see what's active. If you're paying for 3+ separately, switching to Apple One Family saves ~$5/mo. Also unlocks Apple TV+ so you can question Netflix.

Subscriptions that paused without a clean cancel often restart silently — Stitch Fix just did (see below):

• Prose (haircare) — $65/mo, last Nov 6, 2025 — cancel if not using
• Stitch Fix — already restarted — now ~$62 on Chase Southwest (last Jun 30, 2026). Moved to active subs; cancel in-app if you don't want it.
• Hungry Harvest — $24, last Feb 26, 2026 — pause expires?
• Sweetgreen — $15.47 sub, last Jan 9, 2026
• Amazon Kids+ — $6.35, last Jun 27, 2025 — already churned, ignore
• One Medical — $30, last Mar 3, 2026 — verify next renewal date

Action: open each app, confirm cancel state. Remaining potential restart cost: ~$114/mo if the rest reactivate.