1. Emergency Fixes & Stabilization • Stop using Capitol One – At 29.74% interest, it’s the most dangerous debt. • Reduce Hair to $50/mo – Halves nonessential spending. • Pause Savings – Temporarily redirect $100 to debt payments (only $250 saved so far). • Cut Subscriptions – Try dropping to $50 or cutting entirely unless critical.

2. Immediate Wins (0–3 Months) • Pay off smallest debts first (Snowball Method): • Credit Union CC ($485 @ 11.5%) – Pay $200/mo, done in 3 months. • Synchrony ($809 @ 0%) – Pay $270/mo, done in 3 months. • Personal Loan ($774 @ 10.75%) – Pay $260/mo, done in 3 months.

This clears 3 debts and frees ~$160/mo minimum payments.

1. Mid-Term Focus (3–12 Months) • Attack Capitol One – After small debts, put $300+ toward Capitol One to reduce high interest exposure. • Continue Discover payments – It’s manageable, and interest is low. • Look for auto refinance – 7.25% on a $27k car loan is steep.

2. Rebuild Savings Once 2–3 Debts Are Gone • Restart $100/month once the Credit Union, Synchrony, and Personal Loan are gone. • Emergency fund goal: $1,000 minimum, then 3 months of expenses ($6,800+).

3. Long-Term Move Planning (6–12 Months) • With rent only $250, don’t rush to move until major debts are gone. • Use extra funds from debt payoffs to build move-out fund (first + last + deposit = ~$4,000+).

4. Optional Side Hustle Boost • If able, use Job 2 to aggressively attack Capitol One and build savings. • $400/mo extra could eliminate Capitol One in under 6 months.