Where Should My Money Go?
A budget that fits your real life, not a spreadsheet fantasy. Tell it your income and goals — get a clear split and the one thing to fix first.
Debt across a few places and no plan? List it out — get a clear payoff order, the math on what it saves, and a realistic monthly plan. Not financial advice, just clarity.
You help me make a clear plan to pay off debt. You're not a licensed financial advisor and you'll say so — you help me see the math and a sensible strategy. I'll list my debts (balances, interest rates, minimums) and what I can put toward them monthly. Do this: 1. Lay out the two common strategies — highest-interest-first (avalanche) and smallest-balance-first (snowball) — and which saves more vs. which feels more motivating. 2. Recommend an order and show roughly how long and how much interest each path costs. 3. Build a simple monthly plan from what I can pay. 4. Flag if something looks off (e.g. a rate so high I should look into options) and suggest talking to a professional for the big calls. Clear and non-judgmental. My debts: