18 KiB
Total Calculation Review
Service / Category,Type,Jun 2026,Jul 2026,Aug 2026,Sep 2026,Oct 2026,Nov 2026,Dec 2026,Projected Total (H2) ChatGPT Plus,Active Sub,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$148.40 Ollama,Active Sub,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Google Cloud / APIs,Variable Compute (Est.),$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Kimi.com,Affirm Loan (Est.),$37.67,$37.67,$37.67,$37.67,$37.67,$0.00,$0.00,$188.35 Wolfram Alpha,Affirm Loan (Est.),$10.55,$10.55,$10.55,$0.00,$0.00,$0.00,$0.00,$31.65 MONTHLY TOTAL,,$109.42,$109.42,$109.42,$98.87,$98.87,$61.20,$61.20,$648.40
Claude and canceled items are not present in this version.
| One naming issue: “Projected Total (H2)” is technically Jun–Dec, which is 7 months. True H2 is usually Jul–Dec. | |
|---|---|
| Jun–Dec 2026 | $648.40 |
| --- | ---: |
| Jul–Dec 2026 | $538.98 |
| --- | ---: |
| Google Cloud / APIs | $120.00 |
| Total | $538.98 |
| Projected Total (Jun–Dec) |
Main read: your monthly cost stays at $109.42 through August, drops to $98.87 in September when Wolfram ends, then drops to $61.20 in November when Kimi ends. Download: projected_monthly_costs_line_chart.png
I made two charts:
- All detected bills + projected subscriptions Includes loans, storage, credit/card payments, subscriptions, hosting, software, etc. Download full all-bills chart
- Service/subscription-only view Removes the big loan/card-payment lines so the smaller subscriptions are actually readable. Download service/subscription chart I also exported the monthly bill matrix as CSV: Download all detected bills monthly matrix I kept Claude out based on your earlier “remove Claude/canceled ones” instruction. The full detector found 36 bill groups and a 2026 actual/projected total of $6,257.59.
- Zoom / rotate / pan
- Click any line or point to explain that bill
- Details panel with total, active months, peak month, average active month
- Month-by-month breakdown
- Legend toggles for every bill line
- Buttons for:
- Show all
- Services only
- Repayments only
- Top 10
- Total only
- Linear / log scale toggle so smaller subscriptions are visible next to repayment spikes Download/open it here: interactive_threejs_bill_lines_2026.html
Download interactive_threejs_bill_lines_2026_v2.html
- All 37 bill lines are visible by default
- Legend and details panels are now collapsible
- Chart has more usable space
- Click a line for the bill explanation
- Click a point for that specific month’s amount
- Added better filters:
- Show all
- Services only
- Repayments only
- Top 10
- Total only
- Kept the linear/log scale toggle so tiny subscriptions do not get crushed by the giant repayment spikes
Assuming your June income is the usual ~$1,014, and your real bill pattern looks like Jan–Apr, you’re likely short about:
~$360 in June
| That is bills only. | |
|---|---|
| Avg all-bills month from Jan–Apr | ~$1,373 |
| Expected June income | ~$1,014 |
| Estimated June gap | ~$359 short |
| Important caveat: the clean projection table only shows $109.42 for June, but that excludes the big recurring-looking stuff like storage, credit payments, Affirm/MyPay behavior, and card interest. So the realistic answer is not $109.42. It is closer to $350–$400 short unless some of those repayments/storage/card payments stop. |
Download june_2026_bill_shortfall_flat_breakout.png One correction to the earlier TL;DR: using the current June projection matrix, June only shows $109.42 in bills, so against $1,014 assumed income, that is a $904.58 surplus, not a shortfall. The earlier ~$360 short estimate was based on averaging the heavy Jan–Apr bill pattern forward. This PNG uses the actual June projection matrix.
You’re right — the last PNG was wrong because it treated blank future months as true $0 bills. That is not a valid forecast.
| I rebuilt it as a June forecast by carrying recurring bills forward. | ||
|---|---|---|
| Fixed / recurring bills only | $572.88 | $441.12 surplus |
| If Affirm/MyPay-style repayments repeat | $1,426.78 | $412.78 short |
You are not short on fixed bills, but you are ~$413 short if the repayment pattern repeats.
Corrected PNG: Download june_2026_corrected_bill_forecast_flat.png
Yep — that $390 MyPay repayment was a bad forecast assumption. It came from using the Jan–Apr MyPay repayment history as a median, but your current open exposure is much lower.
- Jan: $420
- Feb: $360
- Mar: $480
- Apr: $200
- May so far: $0 repayment, with an observed $80 advance So I’m replacing the MyPay stress estimate with your real current estimate: ~$100 borrowed, plus a small fee allowance.
| You’re right — MyPay should not be forecast at $390. | ||
|---|---|---|
| Fixed bills + corrected MyPay ~$100 | $678.88 | $335.12 surplus |
| Fixed bills + corrected MyPay + Affirm repeat | $1,133.27 | $119.27 short |
You are not short because of MyPay.
You’re only short if the Affirm-style repayments also repeat.
Updated PNG: Download june_2026_mypay_corrected_flat.png
Service / Category,Type,Jun 2026,Jul 2026,Aug 2026,Sep 2026,Oct 2026,Nov 2026,Dec 2026,Projected Total (H2) ChatGPT Plus,Active Sub,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$148.40 Ollama,Active Sub,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Google Cloud / APIs,Variable Compute (Est.),$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Kimi.com,Affirm Loan,$37.67,$37.67,$37.67,$37.67,$37.67,$37.67,$37.67,$263.69 Wolfram Alpha,Affirm Loan,$10.55,$10.55,$10.55,$10.55,$10.55,$10.55,$10.55,$73.85 MONTHLY TOTAL,,$109.42,$109.42,$109.42,$109.42,$109.42,$109.42,$109.42,$765.94
Service / Category,Type,Jun 2026,Jul 2026,Aug 2026,Sep 2026,Oct 2026,Nov 2026,Dec 2026,Projected Total (H2) ChatGPT Plus,Active Sub,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$21.20,$148.40 Ollama,Active Sub,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Google Cloud / APIs,Variable Compute (Est.),$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$20.00,$140.00 Kimi.com,Affirm Loan,$37.67,$37.67,$37.67,$37.67,$37.67,$37.67,$37.67,$263.69 Wolfram Alpha,Affirm Loan,$10.55,$10.55,$10.55,$10.55,$10.55,$10.55,$10.55,$73.85 MONTHLY TOTAL,,$109.42,$109.42,$109.42,$109.42,$109.42,$109.42,$109.42,$765.94
| The big $454.39 Affirm risk layer was wrong in the same way the MyPay estimate was wrong: it was a historical median artifact. Your actual Affirm schedule is: | |
|---|---|
| Actual Affirm loan layer | $48.22/mo |
| --- | ---: |
| Fixed / recurring bills | $583.43 |
| June bill total | $689.43 |
| Remaining after bills | $324.57 |
You are not short.
You have about $324.57 left after fixed bills plus ~$100 MyPay.
Updated flat PNG: Download june_2026_affirm_corrected_final_flat.png Also: your uploaded LLM table totals $765.94 for Jun–Dec, or $656.52 for true Jul–Dec H2.
One-time payment -$28.50
| Added netcup GmbH as a June payment-plan bill. | |
|---|---|
| Previous fixed / recurring forecast | $583.43 |
| June total | $717.93 |
| Remaining after bills | $296.07 |
| So you’re still not short under this corrected model. | |
| Files: | |
| Download updated PNG | |
| Download updated CSV |
Yes — directionally, yes. Under the assumptions you gave:
- No more MyPay / Affirm / emergency loans
- CubeSmart gets canceled
- The current bill model is otherwise accurate
You should have enough room to start pulling ahead and potentially knock out at least one smaller credit card. Current June total with netcup + MyPay $717.93 Remove CubeSmart estimate -$124.49 New June bill total $593.44 Remaining after listed bills $420.56 $296.07 remaining → $420.56 remaining If your smallest credit card payoff balance is under ~$300–$400, then yes, you may be able to kill one off in June as long as normal life expenses do not eat the entire buffer. --- ---: Keep emergency / food / gas buffer $100–$150 Put toward one card $250–$320 The main thing is: do not pay a card down so aggressively that you need another short-term loan. That would just move the debt sideways and add fees. Yes. If CubeSmart really drops and you stop taking new loans, you should finally have enough monthly slack to start killing a small card instead of just surviving the minimums.
- Payments & Credits $40.00
- Purchases & Other Charges $0.00
- FEES CHARGED $21.54
- INTEREST CHARGED $17.39 = New Balance $615.48 QUESTIONS? Call 1-800-353-5920 Beaverton, OR 97076-4499 of up to $41. To cancel Overlimit Coverage, call us at 1-800-353-5920 P.O. Box 4477, Beaverton OR 97076-4477. Late Payment Warning: If we do not receive your minimum Minimum Payment Warning: If you make only the minimum 1-800-353-5920. Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION 04/09 04/09 8534348FL00XSL38A PAYMENT RECEIVED - THANK YOU 40.00- 05/04 05/04 MONTHLY FEE 12.50 05/05 05/05 CREDIT PROTECTION FEES 9.04 Amount Enclosed: $ DES MOINES IA 50317-4023 Charlotte NC 28296-0541 Beaverton OR 97076-4477BRANDON SCHNEIDER Account number ending in 5655 05/05 05/05 Interest Charge on Purchases 17.39 05/05 05/05 Interest Charge on Cash Advances 0.00 Totals 2026 Year-to-Date 1-800-693-9571. your last Billing Statement. The Monthly Fee is $12.50 ($150.00 annually). Please see the Monthly Fee on the back of the statement for additional renewal Purchases 35.90% $581.38 $17.39 Cash Advances 35.90% $0.00 $0.00 (v) = variableBRANDON SCHNEIDER Account number ending in 5655
| Yes — this matches the forecast line I used for Concora. | |
|---|---|
| New balance | $615.48 |
| Minimum due | $40.00 |
| Due date | June 4, 2026 |
| APR | 35.90% |
Previous balance $616.55
- Payment $40.00
+ Monthly fee $12.50
+ Credit protection $9.04
+ Interest $17.39
= New balance $615.48
| So your $40 Concora June bill is correct. | |
|---|---|
| Total monthly drag | $38.93 |
$40.00 - $38.93 = $1.07
Yes. This card is a strong payoff candidate, but not quite a one-month kill unless you have around $615.48 available. With the CubeSmart-canceled estimate, you were around $420.56 remaining before this new statement check. So you could likely make a major hit, but probably not fully erase Concora in June unless more cash frees up.
June minimum required: $40
Real useful extra target: $250–$350+
Full payoff target: $615.48
Also: the statement shows Credit Protection Fee = $9.04/month and Overlimit Coverage is on. Those are worth reviewing because they are leak points. The overlimit coverage especially can expose you to a fee of up to $41 if a transaction pushes the account over limit.
| Yes — that logic is reasonable if the loan charge is less than the card’s ongoing bleed and you do not re-run the card balance afterward. | |
|---|---|
| Total current monthly drag | $38.93/mo |
| So every month you leave it mostly unpaid, it is basically punching you for ~$39 before your payment even matters. |
Break-even logic
The statement says minimum-only payoff would cost about $836 total on a $615.48 balance.
$836.00 - $615.48 = $220.52
So if eating loan charges costs you less than ~$220 and lets you truly kill this card faster, it can be rational. But the stronger short-term rule is:
If the loan charge is less than 2–4 months of card bleed,
it may be worth it.
| At ~$39/mo, that means: | |
|---|---|
| $20–$40 | probably worth it |
| $50–$100 | maybe worth it if it fully kills the card |
| $150+ | only worth it if it prevents a long minimum-payment spiral |
| $220+ | probably not better than the card’s own warning math |
- Cancel credit protection if you do not truly need it. That is $9.04/mo.
- Cancel overlimit coverage so the card cannot smack you with an overlimit fee.
- Ask Concora for the exact payoff amount.
- Pay it to zero.
- Strongly consider closing it or freezing it physically/digitally, because the statement says the monthly fee continues unless you notify them to close the account. Yes: eating a smaller loan charge to escape this card can be the correct move. The card is bleeding about $39/month, and minimum payments are almost useless. Just make sure the replacement loan is a one-time bridge, not the start of a new loop.
Yes — keeping it open but dormant can make sense because it preserves the open credit line and helps your utilization ratio. But for this specific Concora card, there’s a trap:
Dormant ≠ free
| Your statement says the account has a $12.50 monthly fee, or $150/year, unless you close the account. So if you pay it off and leave it open, you may still be paying $12.50/month just to keep the tradeline alive. | |
|---|---|
| 1 | Pay it down/off aggressively |
| 2 | Cancel credit protection |
| 3 | Cancel overlimit coverage |
| 4 | Lock/freeze the card |
| 5 | Leave it open only if the credit-score benefit is worth the $12.50/mo fee |
+ $700 credit limit helping utilization
+ older/open tradeline support
- $150/year monthly fee
- risk of accidental charges / fee spiral
Keep dormant only while the credit buoyancy is worth $12.50/month.
Close it once better no-fee credit lines replace it.
Your instinct is good: pay it off, freeze it, let it buoy your credit short-term. But I would not let this be a “forever” card. A card with 35.90% APR + monthly fee + overlimit coverage + credit protection fee is basically a financial bear trap wearing a credit-score hat.
Exactly. Until the car is secured, the priority is financial limb preservation, not perfect optimization.
1. Do not create new short-term debt
|---|---| | MyPay / cash advances | They create next-month holes | | New Affirm/Klarna-style plans | They make fixed costs creep upward |
Pay down/off → cancel credit protection → cancel overlimit coverage → freeze/lock card → leave dormant if useful
That preserves the credit-line benefit while reducing the ways it can bite you.
$300–$500 “do not touch unless survival/car” buffer
~$39/month in fee + protection + interest
But the trick is to kill the bleeding without replacing it with a worse loan cycle.
Survive cleanly → stop new loans → cancel CubeSmart if possible → kill card bleed → preserve credit → get car
Yes — waterfall is the correct shape here, especially because you still have Credit One after Concora.
Minimums on everything
↓
Keep survival / car buffer
↓
Extra goes to the worst bleeding card
↓
When that card is dead/dormant, roll its payment into the next card
|---:|---|---| | 1 | Minimums on all cards/loans | Avoid late fees and credit damage | | 2 | Do not take new loans | Prevent next-month hole | | 3 | Cancel CubeSmart if possible | Frees about $124/mo | | 4 | Kill / neuter Concora | Minimum barely moves balance | |---|---:| | Total drag | $38.93 |
$40.00 - $38.93 = $1.07
~$68 payment
~$30 interest
≈ $38 actual balance reduction
|---|---:| | With CubeSmart | ~$296 | | Without CubeSmart | ~$421 |
| I’d treat that ~$421 like this: | |
|---|---|
| Car / emergency buffer | $100–$150 |
| Extra to Concora | $250–$320 |
June:
minimums paid
cancel CubeSmart if possible
cancel Concora credit protection
cancel Concora overlimit coverage
throw extra at Concora
do not touch new loans
July:
roll freed cash + normal surplus into Concora
then move waterfall to Credit One
Yes. Waterfall Concora first, then Credit One.
Customer Email:ALLAUNJSILVERFOX@GMAIL.COMStatus:Customer CanceledConfirmation Number:89068177Cancellation Date:05/09/2026 11:38 PM EST The Indigo Plantinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, and serviced by Concora Credit Inc. Indigo is a registered trademark of Concora Credit Inc. CA Collection Agency License #10739-99
| Good — that is a real win. | |
|---|---|
| Program | Concora / Indigo Credit Protection |
| Status | Customer Canceled |
| Confirmation # | 89068177 |
| Cancellation date | 05/09/2026 11:38 PM EST |
| --- | ---: |
| Total drag | $38.93/mo |
| --- | ---: |
| Credit protection | $0.00 |
| New drag estimate | ~$29.89/mo |
+$9.04/month
Before:
$40.00 payment - $38.93 drag = $1.07 progress
After:
$40.00 payment - ~$29.89 drag = ~$10.11 progress
Now do the same kind of neutering for overlimit coverage if you have not already. That one is about preventing a surprise up to $41 fee. Keep that confirmation number somewhere safe. This is exactly the kind of tiny leak-plugging that makes the waterfall actually start working.
I get the instinct, but for overlimit coverage, the statement wording means the opposite of what you want. Means:
They may approve a transaction that pushes you over $700
→ then charge an overlimit fee up to $41
→ then your balance is even worse
So ON = surprise over-the-limit can happen. Means:
A transaction that would push you over limit is more likely to decline
→ no new overlimit fee from that transaction
→ the card stays neutered
So for your “avoid recursive surprise over-limit” goal, I would lean:
Turn overlimit coverage OFF.
|---|---| | Lock/freeze card | Prevent new charges | | Remove it from Amazon/PayPal/Google/etc. | Prevent old autopays | | Keep minimum/autopay active | Avoid late fee |