Top 5 Actions
Realistic month-over-month cutting goals
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1
Cut Dining / Delivery by 30% in 3 Months
Current: ~$4,512/quarter → Target: ~$3,150/quarter
Month 1:
Reduce from $1,504 to $1,200/month (-20%)
Month 2:
Reduce to $1,050/month (-30% total)
Month 3:
Maintain at $1,050/month
2
Attack the 19.99% Cards First
Chase Marriott + AMEX Delta + AMEX Bonvoy = highest interest
Monthly Goal:
Put minimum + $500–$800 extra toward highest-rate card
Target:
Pay off Chase Marriott within 6–8 months
3
Cut 2–3 Streaming Subscriptions
Current: Netflix, Spotify, Apple Music, Amazon Prime, YouTube Premium
Month 1:
Cancel 1 service ($15–17/month)
Month 2:
Cancel 2nd service ($30–34/month total)
Month 3:
Evaluate rotating services
4
Bring Revolving Utilization Below 30%
Current: 41% → Target: <30% (ideally <10% for best score)
Priority:
Pay down cards closest to their limit first (AMEX Delta, Chase Marriott)
Goal:
Reduce utilization by 5–8% per month
5
Cook at Home 4–5 Nights per Week
Current pattern: Heavy reliance on delivery and restaurants
Month 1:
Cook 3 nights/week
Month 2:
Cook 4 nights/week
Month 3:
Cook 5 nights/week + involve kids
These 5 actions combined can save $400–$700/month within 3 months while improving your credit score.