Money Dashboard

Lataille household · sourced from Driggsby (Plaid)
Last refreshed Wed Jul 15, 2026 · 3:07 PM ET
PNC last sync Wed Jul 15, 12:11 PM ET · all linked institutions fresh.
PNC Spend (****3925) · 35-day forecast · bills only — variable spend off
Available now $180 $346 current · ~$167 held in pending authorizations sits between them.
Next paycheck Fri Jul 17 2 days · ICF ($2,978) + Northrop transfer ($5,100) = ~$8,078 combined. Then Fri Jul 31.
Lowest projected $134 Thu Jul 16 — $1,866 below the $2,000 buffer but above zero. Bills-only, so real spend pulls it lower.
Days below $2k buffer 2 / 35 Jul 16 – 30 once the mid-cycle bills draft between paychecks. Variable spend OFF — real spend pushes more days under.
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Jul 13
past
Jul 14
past
Jul 15
$180
TODAY
Jul 16
-$46
$134
HBO Max · Netflix · below
Jul 17
+$8,078
$8,212
PAYCHECK
Jul 18
+$0
$8,212
Interest
Jul 19
-$21
$8,191
6449mountain Vie
Jul 20
$8,191
·
Jul 21
$8,191
·
Jul 22
$8,191
·
Jul 23
-$627
$7,564
Tower transfer (HELOC) · Amazon
Jul 24
$7,564
·
Jul 25
-$97
$7,467
Astound Broadband
Jul 26
-$50
$7,418
Sling
Jul 27
-$324
$7,093
Goldfish Swim School Vis
Jul 28
$7,093
·
Jul 29
$7,093
·
Jul 30
-$5,378
$1,715
Tesla · Goddard School · below
Jul 31
+$8,078
$9,793
PAYCHECK
Aug 1
-$8
$9,785
1st · Apple
Aug 2
-$150
$9,635
MD 529 · MD 529
Aug 3
-$50
$9,585
Robinhood
Aug 4
$9,585
·
Aug 5
-$130
$9,455
Costco
Aug 6
$9,455
·
Aug 7
$9,455
·
Aug 8
-$4,440
$5,015
Lakeview Loan Servicing · GEICO
Aug 9
-$345
$4,670
Dept of Ed loan · Washington Gas
Aug 10
-$434
$4,236
AES student loan · Apple
Aug 11
-$165
$4,070
Foundation Finance
Aug 12
-$798
$3,272
Tesla loan
Aug 13
$3,272
·
Aug 14
+$7,058
$10,330
PAYCHECK
Aug 15
$10,330
·
Aug 16
$10,330
·
Aug 17
$10,330
·
Aug 18
$10,330
·
Aug 19
$10,330
·
Aug 20
·
Aug 21
·
Aug 22
·
Aug 23
·
Forecast day — includes predicted/estimated activity. Hover any cell: amber lines are forecast (Plaid predictions, estimates, placed dates); plain lines are live or confirmed.
Methodology & data notes

Forecast model — bills-only mode:

  • Variable spend baseline is currently OFF (disabled 2026-05-17 — will be re-enabled later). The forecast shows live balance + Plaid recurring streams + user-confirmed adjustments only. Discretionary day-to-day spending (groceries, gas, restaurants, kid stuff) is NOT modeled, so actual balances run lower than projected between paychecks. Right now, PNC Spend's live available is $7,795.07 against $7,987.82 current — a ~$193 pending-auth hold sits between them (the normal direction). The Jul 2–4 payday has fully landed: ICF ($3,086, posted Jul 3) + the Northrop transfer ($5,172, posted Jul 4) = the ~$8,258 combined pay. The month-end Goddard $5,222 ACH draft already posted (Jun 30). Freshness caveat: PNC has not re-synced since Sat Jul 4, so these figures are current only through Jul 4 (~2 days old) — the health badge reads red on freshness until PNC syncs again. A real spending week erodes the between-paycheck trough further; in practice it would be covered from Reserve/Standard Checking.
  • Starting balance: live PNC Spend available from Driggsby ($7,795.07, as of PNC's last sync Sat Jul 4). The whole Jul 2–4 payday has already posted, so nothing is un-landed on the day-0 cell. PNC last synced Sat Jul 4, 11:09 AM ET and has not re-synced since (~2 days stale); Chase (3 cards), Capital One and Robinhood are fresh.
  • The HELOC ($580 TOWFCU SV WEBXFR) autopays ~the 23rd — the next draft ~Jul 23 is in the forecast. The in-window paydays: ICF $2,978.11 (stream avg) + Northrop transfer $5,100.00 (user-confirmed — $5,100 going forward, 2026-06-30; was the ~$5,435.78 stream avg) = $8,078.11 combined, on Fri Jul 17 and Fri Jul 31. (The Jul 3–4 cycle posted at its actual $8,258; the $5,100 override applies to the forward projections.)
  • Recurring inflows/outflows: Plaid's recurring detection at each stream's average amount, except where a stable recent fixed amount is clearly more accurate (mortgage $3,408.24, AES $396.99, VSAC $528, TD Auto $797.90, Verizon $196.78, GEICO $110.85, Robinhood $50, Capital One $160 — its stream avg $564 is stale). Each monthly stream is placed at its next occurrence after today. Goddard (childcare) has no Plaid predicted_next_date and is forced to the user-confirmed $5,200 (Oliver's advanced class), placed Jul 30 for the next hit — June's draft already posted at $5,222 (Jun 30). Pepco, VSAC and the Chase credit-card autopays also have no predicted date but a clear monthly cadence, so they're placed at last-hit + ~30 days (Pepco & VSAC Jul 9, Chase ~Jul 13 at ~$864). Inactive streams (OpenAI, the old Ring/HBO/Amazon-Kids subscriptions) are excluded. Paychecks land Fridays per the user adjustment; the Jul 3–4 cycle has posted, then Jul 17, Jul 31.
  • Chase cards (~$864) on Jul 13 and Capital One ($160) on Jul 14 are estimates, cross-checked against the linked cards: last cycle's Chase EPAY drafts were $605 (Southwest) + $187 (Sapphire) + $72 (Prime Visa) = $864, and Capital One's last four drafts were $150–$161. The deepest below-buffer stretch is Jul 12 – 16 ($662–$1,731) once the TD Auto loan, the Chase batch and the Capital One draft land, between the Jul 3 and Jul 17 paychecks.
  • Buffer threshold: $2,000. Horizon: today + 35 days (Jul 6 – Aug 10). 5 of 35 days fall below buffer: the Jul 12 – 16 dip (lowest ~$662 on Jul 16, $1,338 under, above zero) once the TD Auto, Chase and Capital One drafts land before the Jul 17 paycheck. With variable spend OFF the line is already optimistic; a real spending month pulls more days under.

User-confirmed adjustments (override Plaid): paychecks shifted to Fridays (the Jul 3–4 cycle posted; next Jul 17, Jul 31); Goddard School forced to $5,200/mo (Oliver now in the advanced class; no Plaid predicted date) — its June draft posted at $5,222 (Jun 30), next placed Jul 30; Northrop transfer fixed at $5,100 going forward; "TD Auto" treated as the Tesla loan (Kia is paid off); HELOC captured as the TOWFCU SV WEBXFR transfer (next draft ~Jul 23). The 3 Chase cards + Capital One are linked, so card balances, spend, and the EPAY autopays are visible across the dashboard.

Known gaps in this forecast (active Plaid streams with no predicted_next_date and irregular cadence — not in the projection):

  • Chewy: ~$112/month average, no predicted date — clearly still drafting from PNC Spend, but can't be placed without a predicted date.
  • Amazon (general, UNKNOWN frequency): ~$56 avg (irregular debit-card purchases ongoing).
  • Venmo sends: ~$245 average, irregular — no predicted date (last −$80 on Jul 2).

Sync note: Driggsby pulled freshly Mon Jul 6, 6:07 AM ET. Chase (3 cards), Capital One and Robinhood are current, but PNC has not re-synced since Sat Jul 4, 11:09 AM ET (~2 days) — so the cash figures are current only through Jul 4 and the health badge reads red on freshness until PNC syncs again. Spend's available is $7,795 ($7,988 current) with the full Jul 2–4 payday landed; next paycheck Fri Jul 17.

PNC Spend · cashflow Sankey · 12-month window May 25, 2025 – May 24, 2026 (static snapshot — daily auto-refresh pending)
Total in +$262,494 income + transfers in + refunds
Total out −$265,550 spend + debt + transfers out
Net −$3,055 drawdown ≈ $254/mo on Spend only
Window 12 months May 25, 2025 – May 24, 2026
How to read this

Left side: sources. Where money came into PNC Spend over the 12-month window (May 25, 2025 – May 24, 2026). "Paychecks" combines both W-2 deposits: ICF Payroll (Alex) lands directly in Spend at ~$81,982/yr; Northrop Grumman (wife, estimated ~$130,000/yr) lands in Standard Checking and is transferred to Spend biweekly. "Other inflows" bundles Reserve→Spend buffer sweeps (~$45k), Mobile Deposit ($3,271), Venmo received ($4,523), Robinhood withdrawals ($2,505), the $5,030 UHC refund, and smaller refunds/interest. "Drawdown" is the ~$3,055 the year ended below where it started — basically breakeven on Spend (≈$254/mo deficit).

Right side: uses. Where the money went. Buckets follow Plaid's categorization, with a few groupings: Childcare combines Goddard ($63k) + Goldfish ($3.2k); Mortgage is Lakeview alone ($40.9k); Loans & credit combines TD Auto/Tesla, Chase CC, VSAC, AES, Foundation Finance, Capital One, and Dept of Education; Transfers out combines Reserve sweeps, Venmo sent, ATM, Robinhood funding, and HELOC payments; Utilities & subs merges Rent_and_Utilities with the non-childcare slice of General Services (Tesla service, GEICO, BWI parking, Apple, Google, software); Misc & taxes pulls IRS ($8.5k), MD 529 contribs ($1.8k), Entertainment, Personal Care, Transportation, Travel, and the long tail.

Hover any bar or band for the exact dollar amount. Bands are sized in proportion to dollar value — width on the left side is what each source contributed; width on the right is what each destination consumed. Money is fungible so the link weights are computed assuming each source feeds each destination proportionally (this is the standard Sankey convention when source→destination mappings aren't tracked).

Caveat: this is PNC Spend only. Outflows from Reserve, Standard Checking, Prime Share, and credit cards aren't shown — only flows that actually pass through Spend in the 12-month window. Note: the Northrop ↔ Standard Checking ↔ Reserve transfer chain inflates both "Transfers in" and "Transfers out" because the same money loops through Spend multiple times — the Sankey shows gross flow, not net "household income."

All linked accounts · balances as of last sync
Net worth $120,273 assets − liabilities · the 4 cards' ~$48.4k debt is captured in liabilities; 401(k) $238.4k
Total assets $247,664 $239,461 investments + $8,203 cash
Total liabilities $127,392 $48,392 credit cards (~$699/mo interest) + $79,000 HELOC
Spendable cash $8,203 6 depository accounts · Spend at $7,848 available ($7,988 current)
Last 30 days · income +$18,262
·
Last 30 days · spend −$15,487
·
Net +$2,775
·
Debt + transfers (separate) −$24,360

Checking & Savings

$8,348.00 current · $8,203.38 available
AccountInstitutionTypeCurrentAvailableStatus
Spend · ****3925PNCChecking$7,987.82$7,848.20synced Jul 4
Reserve · ****3933PNCChecking$100.00$100.00healthy
Standard Checking · ****8304PNCChecking (wife's Northrop DD)$100.00$100.00healthy
Growth · ****3941PNCSavings$100.00$100.00healthy
Prime Share · ****0643Tower FCUSavings$60.18$55.18healthy
Robinhood Spending · ****5755RobinhoodChecking$0.00$0.00healthy

Investments

$239,460.85
AccountInstitutionTypeValueStatus
ICF Retirement Savings Plan · ****2664Vanguard401(k)$238,415.93healthy
Robinhood Individual · ****3250RobinhoodBrokerage$605.82healthy
Robinhood Crypto · ****4436RobinhoodCrypto$439.10healthy
Brokerage Account · ****7936VanguardBrokerage$0.00healthy

Credit Cards

$48,391.51 owed
CardOwedLimitUtilMin · dueStatus
Chase Southwest Rapid Rewards · ****7127$32,923.42$33,80097%$757 · Jul 11healthy
Chase Sapphire (Ultimate Rewards) · ****0073$7,572.84$8,40090%$189 · Jul 11healthy
Capital One — Megan's (VentureOne) · ****3029$5,589.75——$155 · Jul 12healthy
Chase Prime Visa (Amazon) · ****9661$2,305.50$2,200105%$74 · Jul 11over limit
These four cards carry ~$699/mo (~$8,385/yr) in interest — Southwest $432.80, Sapphire $114.62, Capital One $99.67, Prime Visa $51.64 (last cycle). Utilization is high (Southwest 97%, Sapphire 90%, Prime Visa over its limit). See the Savings tab for a payoff plan.

Loans

$79,000.00 owed
AccountInstitutionTypeBalance owedStatus
Home Equity Line of Credit · ****8072Tower FCUHELOC$79,000.00healthy
Coverage notes
  • Mortgage (Lakeview), Tesla auto loan (TD Auto), AES & Dept of Ed student loans, Foundation Finance (roof), and VSAC student loan are paid through PNC Spend but the loan accounts themselves aren't linked to Driggsby. They show up as outflows on the cash calendar / transactions, not as separate balances here.
  • Wife's Northrop Grumman direct deposit lands in Standard Checking (****8304) and is transferred to Spend (****3925) biweekly. Standard Checking is back to its $100 residual; the Jul 3–4 deposit has posted (ICF $3,086 Jul 3 + Northrop transfer $5,172 Jul 4). Going forward the Northrop transfer is treated as $5,100 fixed (user-confirmed) rather than Plaid's stale ~$5,436 stream average.
  • All linked institutions are current. Chase (3 cards), Capital One and Robinhood are fresh, and PNC last synced Sat Jul 4, 11:09 AM ET — so this is a live cash picture. Spend's available is $7,848 ($7,988 current) with the full Jul 2–4 payday landed; the month-end Goddard $5,222 draft already posted (Jun 30). Next paycheck Fri Jul 17.
Posted & pending transactions across all linked accounts — checking, savings + the 4 credit cards · trailing 30 days (Jun 15 – Jul 15, 2026; 1 pending)
Date ▼ Account ▼ Merchant / Description ▼ Category ▼ Amount ▼
About this view

Trailing-30-day posted & pending activity across all linked accounts — PNC (Spend, Reserve, Standard Checking, Growth), Tower Prime Share, and now the 4 credit cards (Chase Southwest, Chase Sapphire, Chase Prime Visa, Capital One). Sourced from Driggsby's cash_transactions dataset. Use the search box and dropdowns to filter (account, direction, status). Pending rows are highlighted in amber with a pending tag.

Showing 226 transactions (225 posted, 1 pending) across all linked accounts.
PNC Spend (****3925) · what's different since the previous dashboard · posted + pending

Transactions bridging the gap

How this works

Strict diff: only PNC Spend transactions that did NOT appear in the previous dashboard show up here — posted txns added since the prior snapshot, plus any current pending lines that weren't in yesterday's view. Pending rows are highlighted amber with a pending tag and may change or reverse before settling.

Two reconciliation lines: the top row compares posted-sum against current_balance delta (those numbers should match — they're the same money on the same accounting basis). The second row shows pending-net vs available_balance delta — these will rarely match because available_balance already nets pending, so showing the pending sum is for visibility, not reconciliation.

If the prior snapshot is missing, this tab is intentionally empty — the next refresh will be the first one with a real diff.

All recurring charges identified from 12 months of transaction history (May 2025 – May 2026) + Plaid recurring detection. Grouped by category. Now also catches charges billed to the newly-linked Chase + Capital One cards — a Jul 2 re-audit of the Chase history added Nabu Casa, Google Cloud, and Mailchimp, and reactivated Stitch Fix (all billing to Chase Southwest/Sapphire).
Discretionary subs / mo ~$700 streaming + food + home + pet + insurance · +~$190/mo caught in Jul 2 Chase re-audit
All recurring ~$7,000 / mo ~$84,000 / yr · incl. mortgage, daycare, loans, utilities
Active subscriptions 36 across 11 categories · +4 caught in Jul 2 Chase re-audit
Possibly stale 6 not seen in 60+ days

Streaming & Digital

~$253 / mo active · $3,038 / yr
ServiceAmountFrequencyAnnualLast seenStatus
Sling TV$50.86Monthly$610May 12, 2026active
Netflix$26.68Monthly$294May 16, 2026active
HBO Max$11.17Monthly$123May 14, 2026paused
Spotify$20.13Monthly$242Jun 23, 2026active
SiriusXM Chase Prime Visa$35.19Monthly$422Jun 26, 2026active
YouTube Premium$11.65Monthly$140Mar 3, 2026verify
Google (Drive/One)$21.19Monthly$254Jun 19, 2026active
Mailchimp Chase Southwest$20.60Monthly$247Jul 1, 2026verify
Apple (charge #1)$8.47Monthly$102May 1, 2026active
Apple (charge #2)$13.77Monthly$165May 14, 2026active
OpenAI / ChatGPT$20.96Monthly$251May 12, 2026cancelled
Ring AI Pro Plan$21.19Monthly$254Apr 23, 2026active
Amazon Prime (small mo. charge)$3.41Monthly$41Apr 23, 2026active
ElevenLabs$20.00Monthly$240May 12, 2026active

Occasional & Usage-Based

~$530 / yr (variable)
ServiceAmountFrequencyAnnualLast seenStatus
Amazon Prime Video$13.24 avgOccasional~$53Apr 7, 2026rentals?
Google Cloud (GCP — Gemini API?) Chase Southwest$15–$25Usage-based~$480Jun 30, 2026verify

Annual Memberships

~$468 / yr
ServiceAnnualRenewsStatus
Nabu Casa (Home Assistant Cloud) Chase Sapphire$68.90Jun 16, 2027active
Amazon Prime (annual)$147.34Apr 9, 2027active
AAA Membership$127.00Oct 3, 2026active
Costco$125.00Aug 5, 2026active

Utilities & Connectivity

~$767 / mo · $9,200 / yr
ServiceAvg / moAnnualLast seenStatus
Verizon Wireless$200.80$2,410May 9, 2026active
Pepco (electric)$269.66$3,775May 6, 2026active
WSSC Water (quarterly)$310 / quarter$1,550Feb 28, 2026active
Washington Gas$96.75$1,161May 9, 2026active
Astound Broadband$96.02$1,152Apr 25, 2026active
Starpower (predecessor ISP?)$85.09$425Sep 25, 2025stopped

Childcare & Kids

~$5,300 / mo · $62k+ / yr
ServiceAvg / moAnnualLast seenStatus
The Goddard School (both kids)$5,200$62,400Apr 29, 2026active
Goldfish Swim School~$300$3,600May 12, 2026active
Sharkey's Cuts for Kids$69 (every ~3 mo)$276Jan 21, 2026recurring

Insurance

~$116 / mo · $1,397 / yr
ServiceAmountAnnualLast seenStatus
GEICO (auto)$111.16$1,334May 8, 2026active
State Farm$5.17$62May 14, 2026verify purpose

Food & Grocery Subscriptions

~$209 / mo (active) · $2,420 / yr
ServiceAvgFrequencyAnnualLast seenStatus
Factor75 (meal kit)$80.37Monthly+$321 YTDMay 7, 2026active
Thrive Market$85.60Monthly$856May 6, 2026active
Oats Overnight$43.31Monthly$217Apr 21, 2026active
Hungry Harvest$24.25Weekly$388Feb 26, 2026stopped
Sweetgreen subscription$15.47Monthly$155Jan 9, 2026stopped

Home Services

~$95 / mo (seasonal) · $1,140 / yr
ServiceAmountFrequencyAnnualLast seenStatus
Mosquito Joe$94.99Monthly (seasonal)$1,140May 16, 2026active

Health, Personal Care, Pet

~$250 / mo
ServiceAmountFrequencyAnnualLast seenStatus
Chewy (pet supplies)$90.43Monthly$1,447Apr 24, 2026active
Kosmo Nail Bar$100.17Monthly$1,202Apr 14, 2026active
Haircut (Alex)$40.00Every ~6 weeks~$347—recurring
One Medical$30.00Monthly$180Mar 3, 2026verify
Quip (toothbrush)$9.00Quarterly$36Mar 4, 2026active
Prose (custom haircare)$64.92Monthly$325Nov 6, 2025stopped
Stitch Fix Chase Southwest$61.59 lastRecurring~$740Jun 30, 2026active

Recurring Investments & Savings

~$150 / mo · $1,800 / yr
StreamAmountFrequencyAnnualNotes
MD 529 Contrib (****4172)$75.00Monthly$900kid #1
MD 529 Contrib (****3210)$75.00Monthly$900kid #2
Robinhood transfer$50–$420Monthly (variable)$920brokerage funding

Recurring Debt Payments

~$5,967 / mo · $71,604 / yr
LenderAvg / moAnnualLast seenNotes
Lakeview (mortgage)$3,408.90$40,907May 12, 2026P&I + escrow
TD Auto Finance (Tesla loan)$797.90$9,575May 13, 2026Kia is paid off
VSAC Student Loan$528.00$6,336May 12, 2026stable amount
HELOC (Tower FCU, via TOWFCU SV)$580.00$6,960Apr 23, 2026~$79k balance
AES Student Loan$376.49$4,518May 13, 2026varies
Foundation Finance (roof)$165.43$1,985May 13, 2026stable
Dept of Education$110.77$1,218Apr 9, 2026small federal loan
Capital One (Megan's)$160 last~$1,920Jun 12, 2026$5,590 balance — see Accounts / Savings
Chase cards (3)~$864 last~$10,400Jun 11, 2026$40.9k balance across 3 cards — see Accounts / Savings

Investigate — Unknown / Possibly Forgotten

~$80 / yr if all canceled
MerchantAmountHitsTotalLast seenNotes
Fameassist$23.802$48Aug 13, 2025unknown subscription
Roboca$4.875$24Dec 30, 2025unknown service, ended?
Snake$3.172$6Mar 24, 2026likely Snapchat — verify
Budge$5.292$11Aug 19, 2025kids' app (Budge Studios)
Skylight Frame$198.58 avg2$397Feb 18, 2026device + plan?
How this list was built

Two sources combined:

  • Plaid's recurring-transaction detection (via Driggsby) — finds streams of similar charges at regular intervals. 65 streams identified, 41 currently is_active.
  • Merchant-aggregated SQL over the last 12 months — finds merchants with ≥2 hits, stable amounts, and regular intervals. 189 unique merchants found.

"Possibly stale" = active in Plaid OR appeared in the past year, but no transactions in the last ~60 days. The merchant may have canceled, paused, or churned to a different billing entity. Worth verifying before assuming they're gone.

Annual numbers are rough — they're based on 12-month totals or 12× the average monthly hit, depending on what's more representative. Use for relative scale, not for tax filing.

Action items based on what you actually own — recalls, rebates, coupons, refresh windows, tax angles, and warranty tracking. Refreshed weekly.
Open items — across all sections
Est. annual value — sum of quantified items
Highest severity open —  
Last research — refresh-watch task

🔴 Recalls (safety)

0 open

💰 Rebates (money back)

0 open

🎟 Coupons & active promos

0 open

🔄 Refresh windows

0 open
Limited to items visible in Plaid’s ~2-year window. Big-ticket items purchased earlier (mattress, water heater, HVAC, roof, etc.) will need to land in manual.json before this section is complete.

📋 Tax credits & deductions

0 open

📜 Warranty / registration

0 open
How Watch works

Watch items are surfaced by a separate weekly task (refresh-watch) that scans your trailing-12-month spending and does targeted research: CPSC / FDA / NHTSA recall feeds for products you own, current state and federal rebate programs, member-discount and coupon hunts for top recurring merchants, lifespan-based replacement windows, tax credits tied to your spending patterns, and warranty registration prompts for high-ticket purchases.

Items have a stable id, so dismissing one keeps it dismissed across refreshes. New items appear with status: open; resolved items drop off once research confirms they no longer apply (recall fixed, program expired, etc.).

Dismissals are stored in localStorage on this device. Clearing browser data resets them.

Prioritized recommendations to reduce monthly burn. Estimates are conservative.
Card interest / yr ~$8,385 ~$699/mo across 4 cards — the #1 opportunity
Subscription savings / yr ~$2,100 if you act on the high-priority sub items
High-priority items 8 3 debt + 5 subscription
Investigate / optimize 8 5 unknown merchants + 3 optimize

🔴 High Priority — Credit-Card Debt & Interest

~$8,385 / yr in interest

Credit-card interest is your single biggest leak — ~$699 / mo

up to ~$8,385 / yr

Southwest $432.80 + Sapphire $114.62 + Capital One $99.67 + Prime Visa $51.64 = $698.73 / mo last cycle · on $46,463 of balances

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.

Chase Prime Visa is over its limit — knock it out first

avoid fees + score hit

$2,305.50 balance on a $2,200 limit (105% utilized) · ~$52/mo interest (~27% APR)

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.

Southwest Priority card — is the $229 annual fee earning its keep?

$229 / yr if downgraded

$229 annual fee (renews ~Apr 1) · card is 92% utilized at $30,995

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.

🔴 High Priority — Overlap & Redundancy

~$1,150 / yr potential

1. Three streaming services running in parallel

save ~$600 / yr

Sling $50.86 + Netflix $26.68 + HBO Max $11.17 = $88.71 / mo ($1,065 / yr)

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.

2. Spotify + YouTube Premium — both include music streaming

save $140–$216 / yr

Spotify $18.01/mo ($184/yr) + YouTube Premium $11.65/mo ($140/yr) = $29.66 / mo

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.

3. Two meal-kit/grocery-delivery subscriptions on top of regular groceries

save ~$1,000 / yr

Factor75 $80/mo + Thrive Market $86/mo + Oats Overnight $43/mo = $209 / mo ($2,420 / yr)

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.

4. Multiple Apple subscriptions — check for Apple One bundle savings

save up to $60 / yr

Apple charge #1 $8.47 + charge #2 $13.77 = $22.24 / mo ($267 / 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.

5. Cancel "possibly stale" subscriptions before they restart

save ~$1,025 / yr if re-billed

Prose, Hungry Harvest, Sweetgreen, Amazon Kids+ — not billed in 2+ months

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.

🟡 Medium Priority — Optimize Existing

~$600 / yr potential

6. Verizon Wireless is high at $200 / mo

save $600 / yr

$200.80 / mo · $2,410 / yr

Likely includes device payments on two phones. Even on the same network (Verizon prepaid, Visible by Verizon, or Total by Verizon) you can usually save $40–60/mo per line on a postpaid plan.

Suggested: Once device payments are done, switch to Verizon Prepaid ($30–50/line) or Visible ($25/line) — same towers. Mint Mobile ($15–30/line) if T-Mobile coverage works at home.

7. Three different Ring plans appeared over the past year

verify, possible $120 / yr

Ring AI Pro $21.19/mo active; Ring Standard $10.59 + Ring Premium $20.01 + Ring Unlimited $10.60 historical

Plaid sees the upgrade path — Standard → Premium → AI Pro. Probably fine, just one active plan. But worth opening Ring app to confirm only one is actually being charged.

Suggested: Verify single billing line in Ring app. If duplicates exist, cancel the redundant tiers.

8. BWI Central Building parking — 101 charges / yr

~$1,160 / yr (context-dependent)

$11.50 avg × 101 hits = $1,161

Daily airport parking at BWI. If this is work travel and reimbursed, no action. If personal travel or non-reimbursed, this is a high-leverage line.

Suggested: If recurring work travel, check ICF expense policy / monthly BWI parking pass ($175/mo flat). If 8+ days/mo, the monthly pass saves money.

🔍 Investigate — Unknown or Suspicious Charges

small $ but worth checking

9. Unknown / small recurring merchants

~$90 / yr if all canceled

Fameassist $48 · Roboca $24 · Snake $6 · Budge $11 · Skylight Frame $397

  • Fameassist ($23.80 × 2, last Aug 13, 2025) — unclear; possibly a celebrity-fan app or impersonation. Search the merchant in your card statements for the descriptor.
  • Roboca ($4.87 × 5, ended Dec 30, 2025) — appears stopped; likely a kids' app micro-charge.
  • Snake ($3.17 × 2) — likely Snapchat+ ($3.99/mo). Confirm.
  • Budge ($5.29 × 2) — Budge Studios runs kids' games (Daniel Tiger, Strawberry Shortcake). Likely in-app purchase, not a sub.
  • Skylight Frame ($198 × 2) — digital photo frame + cloud plan. Confirm whether $198 was hardware (one-time) or recurring.

Action: for each, look up the merchant in your transactions tab and check the description. If you can't identify it, dispute with PNC and add to card-block list.

10. State Farm $5.22 / mo — what is this?

verify purpose

$5.22 / mo · $63 / yr · very stable amount

GEICO covers auto. State Farm at $5/mo is an unusual price point — too low for auto, life, renters, or homeowners. Possibilities: identity-protection rider, drive-safe-and-save app fee, umbrella policy add-on, or a legacy line.

Action: log into State Farm or check your policy doc. Cancel if it's a leftover.

🟢 Already Looks Good

no action needed

These recurring charges look intentional and well-priced for what they deliver:

  • Two MD 529 contributions ($75 × 2 = $1,800/yr) — one per kid, sensible college savings.
  • Goddard School + Goldfish Swim — core childcare/activities.
  • Mosquito Joe — seasonal but consistent service.
  • Chewy pet supplies — already on auto-ship discount; optimize delivery cadence inside Chewy if storage allows.
  • Mortgage, Tesla loan, student loans, HELOC — payment streams are stable; refi or accelerated payoff is a separate analysis.
  • Single Ring AI Pro plan — assuming verified, $254/yr is reasonable for home security cloud.
  • GEICO auto, Costco/AAA/Prime memberships — competitive priced, deliver value.