October — budget, debt, safety net, and credit in one place.
$1,106
left over
Mar 2029
debt-free
—
credit score
Budget health
Left over: $1,106
$5,294
going out
Needs
$3,322
Wants
$632
Savings
$1,340
Needs — Over target by $122
Wants — Under target by $1,288
Savings — On track — this money is building your future
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Next moves
What your money should do next
Pay $300 to your Store card
It's at 60% of its limit — over the 30% line bureaus watch. $300 gets it under 30%; $500 gets it under 10%, the zone where scores breathe easiest. This is usually the single biggest score lever you control.
You have $1,106 a month unassigned
Your plan leaves $1,106 on the table monthly. Sending it to your highest-rate debt on top of what you already pay ends the debt 15 months sooner and saves about $1,195 in interest.
Needs are $122 over the 50% line
Needs are the hard bucket — they don't flex month to month. Your biggest is Rent or mortgage at $1,450. One structural fix here (a refinance, a plan change, a renegotiated bill) beats a year of skipping coffees.
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Debt & safety net
The full picture
Part of the full planner
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Credit
Track your credit score
Log the score from your bank or bureau and watch it climb. Free, forever.
Card utilization: 50% — above 30% drags your score.
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Learn
Plain-talk money lessons
The 50/30/20 rule, emergency funds, how credit scores actually work — short reads, no jargon.
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Money Parler — personal finance education. This is educational and is not individualized financial advice.