Jonathan Ayala — Financial Dashboard
Based on Jan & Feb 2026 statements + live transactions · Updated March 12, 2026
✓
Major progress since 3/5: All back rent paid, parents repaid, Santander caught up, 3 of 4 credit cards made current, tithes sent. $31,554 deployed of $36,725.
⚡
Still remaining: SCE $159.08 · Glendale W&P $556.33 · BofA Personal CC min $232 · Then deploy rest to high-interest debt.
Total Funds (Started With)
$47,725
Reframe $8,982 + IVM $38,742
Tithes & Offerings
$11,000
$5,500 to Gary Zamora + $5,500 to Sahuarita
Net Deployable
$36,725
After tithes (was $32,725 with old estimate)
Cash Remaining
$16,171
IVM $8,395 + Reframe $6,732 + BofA $1,044
Monthly Interest (Current)
$1,171/mo
$14,052 per year in interest alone
Checking Accounts — Live Balances (3/12)
| Account | Feb Statement | Current Balance | Status |
|---|
| BofA Personal (#9797) |
$1,043.51 |
~$1,043.51 |
Current |
| Reframe Solutions (#2292) |
-$715.42 |
$6,732.30 |
Active |
| InnerView Media (#5649) |
-$1,024.57 |
$8,395.16 |
Active |
All deposit holds cleared. Total across accounts: $16,170.97
Credit Cards & Loans — Full Debt Picture
| Account | Statement Bal | Payment Made | Est. Current | APR | Status |
|---|
| PayPal Credit (#3199) |
$7,021.62 |
$478.00 |
~$6,544 |
29.64% |
$478 scheduled ✓ |
| Barclay Aviator Red (#5016) |
$11,680.88 |
$839.73 |
~$10,841 |
29.49% |
Min Paid ✓ |
| IVM Business CC (#1004) |
$12,285.96 |
$792.00 |
~$11,494 |
24.74% |
Min Paid ✓ |
| Capital One Platinum (#7967) |
$9,965.58 |
$955.00 |
~$9,011 |
22.40% |
Min Paid ✓ |
| BofA Personal CC (#2829) |
$9,815.47 |
— |
$9,815 |
0.00%* |
$232 min still due |
| Santander Auto — Tesla Model Y |
$46,825.33 |
$1,709.43 |
$46,825 |
8.94% |
Caught Up ✓ |
| TOTAL DEBT |
$97,595 |
$4,774 |
~$94,530 |
|
|
* BofA Personal CC showing 0% — likely a promotional rate. Check expiration date!
Fees Paid (Jan + Feb 2026)
Overdraft Fees
$200.00
15× IVM ($150) · 5× Reframe ($50)
Credit Card Late Fees
$249.00
BofA CC $80 · IVM CC $49 · Cap One $80 · Barclay $40
Bank Service Fees
$26.50
BofA Personal monthly maintenance
Total fees burned in 2 months: $475.50
Additional Obligations
| Obligation | Amount | Details | Status |
|---|
| ✓ Apartment Rent — March |
$3,183.00 |
Paid 3/5 via Apple Cash to Matt Tadross |
Paid ✓ |
| ✓ Apartment Rent — February |
$3,223.00 |
Paid 3/12 via Apple Cash ($3,183 + $40 late fee) |
Paid ✓ |
| ✓ Office Rent — March |
$2,250.00 |
Paid 3/6 via Zelle to David Storrs (from Reframe) |
Paid ✓ |
| ✓ Office Rent — February |
$2,325.00 |
Paid 3/12 via Zelle to David Storrs ($2,250 + $75 late fee) |
Paid ✓ |
| SCE — Apartment Power |
$159.08 |
✓ $445.41 paid 3/5 — $159.08 remaining |
$159 remaining |
| Glendale Water & Power — Office |
$556.33 |
604 Sonora Ave · Due 2/2 (past due) |
Unpaid |
| ✓ Hotel Rooms — Repay Parents |
$3,203.73 |
Paid 3/12 via Zelle to Rosalie Ayala ($1,795.56 + $1,408.17) |
Paid ✓ |
| REMAINING OBLIGATIONS |
$715.41 |
$14,184 of $14,900 paid (95%). SCE + Glendale still due. |
|
Tithes & Offerings SENT
Planned: 20% of income — Reframe $2,000 + Kuraray $6,600 + Lanmark $1,400 + Gary Zamora $880 = $10,880
✓ Gary Zamora Ministries
$5,500
Sent 3/12 from IVM · Processing
✓ Sahuarita House of Worship
$5,500
Sent 3/12 from IVM · Processing
Total Tithes Sent: $11,000 (~$120 above planned $10,880)
$36,725 Deployment Strategy — Live Tracker
$47,725 total funds − $11,000 tithes = $36,725 net deployable
✓ ~$25,554 deployed so far · ~$11,171 in accounts above $5K reserve
✓ SCE Power — $445.41 paid 3/5, $159.08 remaining$159 left
Glendale Water & Power — office$556.33
✓ Santander Auto — caught up ($1,709.43 paid 3/6)Done
✓ Capital One — $955 paid 3/9Done
✓ Barclay Aviator — $839.73 paid 3/10Done
✓ IVM Business CC — $792 paid 3/12Done
BofA Personal CC — minimum payment$232.00
✓ PayPal Credit — $478 scheduled 3/12Done
✓ Apt March — $3,183 to Matt Tadross (3/5)Done
✓ Apt February — $3,223 to Matt Tadross (3/12, +$40 late)Done
✓ Office March — $2,250 to David Storrs (3/6, Reframe)Done
✓ Office February — $2,325 to David Storrs (3/12, +$75 late)Done
✓ Hotel rooms — $3,203.73 to Rosalie Ayala (3/12)Done
After remaining obligations ($947), keep ~$2,500 buffer$2,500.00
PayPal Credit (29.64%) — PAY REMAINING ~$6,544$6,544
Barclay Aviator (29.49%) — partial paydown with remainder~$6,180
Deployment progress — $36,725 budget
86% deployed
▨ Deployed $25,554
■ Remaining bills $947
■ Reserve $2,500
■ Debt payoff $12,724
Remaining Debt After Full Deployment
| Account | Remaining Balance | APR | Monthly Interest |
|---|
| ✓ PayPal Credit |
$0 — PAID IN FULL |
29.64% |
$0 |
| Barclay Aviator Red |
~$4,661 |
29.49% |
~$115 |
| IVM Business CC |
~$11,494 |
24.74% |
~$237 |
| Capital One Platinum |
~$9,011 |
22.40% |
~$168 |
| BofA Personal CC |
~$9,583 |
0.00%* |
$0 |
| Santander Auto — Tesla Model Y Caught Up |
$46,825 |
8.94% |
~$349 |
| TOTAL REMAINING |
~$81,574 |
|
~$869/mo |
Interest Impact
Before
$1,171/mo
$14,052 per year
After Full Deployment
$869/mo
$10,428 per year
Monthly Savings
$302/mo
$3,624 per year saved
Next Priorities (From Future Cash Flow)
1
Finish Barclay Aviator Red
29.49% APR — highest rate remaining
$4,661
2
IVM Business CC
24.74% APR
$11,494
3
Capital One Platinum
22.40% APR
$9,011
4
Check BofA Personal CC Promo Expiration
Currently 0% — could jump to 20%+ when promo ends
$9,583
5
Continue Santander Auto Payments
8.94% APR — lowest rate, secured, keep current
$46,825
Generated March 12, 2026 · Not financial advice · Consult a licensed financial advisor for personalized guidance