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MONIKA BRAVO

-:- FINANCIAL DASHBOARD — AUDIT 2025–2026 -:-
Total Interest Paid — Jan 2025 through Apr 2026
$11,259
Goal: Reduce to $0 over 36 months
Project opened May 5, 2026 — Saturn transiting second house
Total Interest 2025
~$9,100
Across all cards
Total Interest 2026 YTD
~$2,159
Jan – Apr 2026
Fixed Monthly Costs
$3,439
Rent + utilities + food
Active Subscriptions
$828.99
Approx per month equivalent
Interest by Card — Confirmed 2026 (Jan–Apr)
Amex Gold
$211.00
Amex Platinum
~$450
Amex Blue
~$320
Amex Optima
~$280
TD Visa 7405
~$180
Simple Cash
~$45
Spending by Category — Gold Card 2026
Travel / Lodging
$365
Restaurants
$302
Professional Svcs
$794
Subscriptions
$156
Transportation
$50
Interest Charges
$211
Monthly Interest Trend — Amex Gold Card (Confirmed)
Jan
$40
Feb
$50
Mar
$62
Apr
$58
Gold card confirmed interest
$210.99 Jan–Apr 2026
All labeled "Promotional Balance Interest"
Confirmed Interest Charges — Gold Card 2026
DateDescriptionCardAmountType
01/16/2026Interest Charge on Promotional BalancesGold$40.17Promotional Interest
02/13/2026Interest Charge on Promotional BalancesGold$49.85Promotional Interest
03/17/2026Interest Charge on Promotional BalancesGold$62.49Promotional Interest
04/16/2026Interest Charge on Promotional BalancesGold$58.48Promotional Interest
Gold Card Total 2026 $210.99
Cards to Call — Interest Reduction Priority
🔴 Amex Blue — Financial Relief
Call American Express Financial Relief Program
Request hardship rate reduction
Log date called + result
Status: Pending call
🟡 Amex Platinum — APR Reduction
Call Amex for APR reduction
Dispute Network Solutions $47.99
Log outcome
Status: Pending call
🔵 TD Bank — APR Reduction
Call TD Bank for APR reduction
Visa Signature 7405
Log new rate if approved
Status: Pending call
36-Month Zero Interest Goal — Projection
Current Monthly Interest
~$627
Avg across all cards
If Reduced 50%
~$313/mo
Saved: $3,768/year
Zero Interest Target
May 2029
36 months from now
Cancel / To Resolve
6
Immediate action needed
Will Cancel / Downgrade
5
Review before renewal
Active — Keep
22
Confirmed active
Move Off Platinum
4
To lower-cost card
ItemDueCardAmountFrequencyStatusNotes
High-Priority Renewals — Next 60 Days
Membership Gold
$325
Due 05/17 — Call and ask?
Network Solutions
$63.98
Due 05/12 — Dispute / Cancel
Zaprite
$240
Due 05/31 — Confirm if keeping
Membership Platinum
$850
Due 06/11 — Call before renewal
Annual Cost Summary by Status
Active (keep)
~$8,200
Will Cancel
~$1,800
To Resolve
~$1,400
Cancelled
~$800
Potential Annual Savings if Cancelled
~$1,800 – $3,200
All Cards in Scope
American Express Platinum Move Subscriptions
Acct ending -91003 · Interest: call for APR reduction · Adobe $87/mo, Apple, Notion, GWork on this card
Interest: Unconfirmed
Dispute Network Solutions $47.99
American Express Gold Confirmed Data
Acct ending -98009 · Interest confirmed Jan–Apr 2026 · Gianna Miceli $111/mo, Mark Jones $250 bimonthly
$210.99
Interest Jan–Apr 2026
American Express Blue Relief Program
Call Financial Relief Program · CODAworx $50/mo, Vimeo $326.63/yr, Amazon Prime on this card
~$320
Interest estimated 2026 YTD
American Express Optima Verify
Interest charges present in statements — full audit pending
~$280
Interest estimated 2026 YTD
TD Visa Signature 7405 Call for APR
Electricity $60, Internet $50, Rent $1,900 via TD Bank direct debit
~$180
Interest estimated 2026 YTD
American Express Simple Cash Lowest Interest
Minimal interest — use as primary spending card where possible
~$45
Interest estimated 2026 YTD
Recurring Professional Services — Gold Card
DescriptionAmountFrequencyNote
Gianna Miceli$111.00MonthlyJan, Feb, Mar, Apr 2026 confirmed
Mark Jones Consulting$250.00BimonthlyFeb, Apr 2026 confirmed
Cloaked Subscription$9.99MonthlyJan, Feb, Mar, Apr confirmed
12th House Media$13.99MonthlyJan, Feb, Mar confirmed
Immediate Actions — Logged May 5, 2026
📞 Call 1 — Amex Blue: Financial Relief Program
Request hardship interest rate reduction. Ask about the Financial Relief Program by name. Log: date called, agent name, outcome, new rate (if granted).
📞 Call 2 — Amex Platinum: APR Reduction + Dispute
Request APR reduction on Platinum card. Dispute Network Solutions $47.99 charge — labeled as cancelled in membership file. Get dispute confirmation number.
📞 Call 3 — TD Bank: APR Reduction on Visa 7405
Call TD Bank customer service. Request APR reduction. Reference strong payment history. Log new rate or supervisor escalation if denied.
📞 Call 4 — Hartford Insurance: Confirm Policy + Payment Plan
Confirm new $625 policy (06/07/2025–06/07/2026). Confirm payment plan. Verify final payment March 7 cleared. Log new policy number.
Subscription Decisions — Before Renewal
🔴 Cancel Before 05/12 — Network Solutions $63.98
Marked cancelled in membership file. Already disputing with Amex. Cancel the account directly to stop auto-renewal.
🟡 Decide Before 05/17 — Gold Card Membership $325
Annual fee on Gold Card. Call Amex to negotiate retention offer before renewal date. Log what they offer.
🟡 Decide Before 05/31 — Zaprite $240/year
Confirm if Bitcoin payment tool is still in use. If not, cancel before renewal. Note in file says "monthly?" — clarify billing cycle.
🟠 Decide Before 06/02 — Vimeo Pro $326.63
Marked "will downgrade" with ojo flag. Downgrade to lower tier before June 2 renewal. Check what the Basic tier costs.
🟠 Decide Before 06/11 — Amex Platinum Membership $850
Call before renewal. Ask for retention offer. Weigh: is the annual fee worth the rewards given current interest burden?
Move These Subscriptions Off Amex Platinum
Currently on Platinum — Should Move
Adobe
$85/mo
Apple Pay
$22.43/mo
Google Workspace
$14.56/mo
Notion
$12/mo
Why Move Them
Platinum carries a high balance → interest compounds on all charges
Moving to Simple Cash (lower APR) reduces interest exposure
Adobe alone: $85/mo × 12 = $1,020/year sitting on high-APR card

Move to Simple Cash or debit where possible
-:- make the invisible visible — saturn in the second house — 2026 -:-