UNFUCK

v1.0

Account & Bill Balance Commander

Total in Accounts

Total Bills Needed

Monthly Bill Lifecycle

SimpleFIN Connection

SimpleFIN Bridge is currently connected and syncing live balances.

If you ever need to link a new SimpleFIN setup token, paste the new token below:

Monthly Funding History Matrix At-a-Glance 6-Month Waterfall

Monthly Envelope Funding & Cleared History

Track whether accounts were funded on time, marked paid, or cleared across every monthly cycle.

Legend: 100% Funded / Paid Cleared (Money Left) Marked Paid (Pending) Needs Money / Short Upcoming / Scheduled
Envelope / Account Balance M1 (Aug) M2 (Active) M3 (Oct) M4 (Nov) M5 (Dec) M6 (Jan)
Cycle Totals
5-Month Paydown Ledger Coffee-Can Zero-Sum Runbook

Debt Paydown Waterfall & Living Envelopes

Turners Falls / Montague, MA • Inflows: Bi-weekly W-2 Paycheck + $2,000 Tenant Rent (28th)

Total Debt Tracked

$13,947.41

Cards, Taxes, Loan, Utilities

Protected Living

$572 / Check

Transferred on Payday

Current Cycle

Month 2 (Active)

Sep 25 – Oct 22

Target Debt-Free

Feb 11, 2027

100% Cleared

Monthly Paydown Roadmap

✓ MONTH 1 (Aug 28 – Sep 24) COMPLETED

Paid off Eversource Past-Due Electric ($945.48 to $0) • Casey Lucas Payment 1 of 4 ($675) • Chase Freedom ($633.13 paid, balance to $1,393.22) • Living envelopes established.

★ MONTH 2 (Sep 25 – Oct 22) — CURRENT ACTIVE CASH ALLOCATED ~$3,293
✓ Electric (...1760): $305.48 (100% funded)
★ Amazon Card (...7062): $1,988.00 (Pay off to $0)
✓ Home Depot (...1852): $105.30 (Min paid Oct 8)
Chase Freedom (...2194): $525.00 (Drops to $868.22)
Casey Lucas (Zelle): $675.00 (Payment 2 of 4)
Van Tires Sinking (...1239): $284.00 saved

Milestone: Amazon Card & Past-Due Eliminated; All Living & Tires Funded.

MONTH 3 (Oct 23 – Nov 19) — Estimated Surplus: ~$3,105 ALL 3 CARDS WIPED TO $0

Chase Freedom (...2194) $868.22 to $0 • Home Depot (...1852) $1,635.89 to $0 • Casey Lucas #3 ($675) • Van Tires ($284).

MONTH 4 (Nov 20 – Dec 17) — Estimated Surplus: ~$3,105 ZERO CONSUMER DEBT & LOANS

Casey Lucas Final Payment ($675 to $0) • Van Tires Final ($284, $852 cash saved & installed) • Montague Back Taxes ($2,430 paid, drops from ~$6,800 to ~$4,370).

MONTH 5 & 6 (Dec 18 – Feb 11) — TAXES CLEARED & EMERGENCY RESERVE 100% DEBT-FREE

Month 5: Montague Back Taxes paid down by $3,105. Month 6: Montague Back Taxes cleared to $0 ($1,265), and Emergency Cushion (...2676) funded with $1,840 towards $6,000.

Protected Bi-Weekly Living Envelopes ($572/Check)

Work Lunches: $70.00
Gasoline: $80.00
Operating Buffer: $65.00
Dog Food: $65.00
W1 Wed Groceries: $32.00
W1 Sun Groceries: $32.00
W2 Wed Groceries: $32.00
W2 Sun Groceries: $30.00
Van Tires Sinking: $142.00
Medical Buffer: $15.00