PERSONAL · 12-MONTH PLAN · JUL 2026 → JUL 2027

Stabilization Tracker

Stabilize → pay down → rebuild credit → save · Everything saves in this browser

"Slow is a speed. Income first, then debts, then credit, then savings. Year two is when we buy."

Phase 1 — Stop the bleeding (now)

List every bill: current, past-due amount, minimum due — one page, no hiding from it

Essentials current first: housing, car, insurance, phone, utilities

Call every past-due creditor — ask for hardship plan / payment arrangement BEFORE they report a late

Kill/pause every non-essential subscription (audit the bank statement, not memory)

Set gig-week floor: minimum weekly gig income target committed to the schedule

Phase 2 — Income engine (Jul–Oct)

Notary commission arrives → same-day: bond + oath filing, stamp/journal ordered

LSS/NNA cert done → Snapdocs optimized (Verified, Vendor Pay, alerts) per hub playbook

First paid signing 🔔

Signing-service volume steady → begin go-direct plays (hub playbook)

First funded loan 🔔🔔 — the real engine starts

GBP (MLO) live after compliance pass · notary GBP after commission

Phase 3 — Credit rebuild (12-month track · pairs with Road to 700 checklist)

MyFICO 3-bureau plan active (~$40/mo — the ONE planned subscription of the year; proven system from the last 700 climb; note: disputes still file through each bureau)

Pull all 3 reports · list every negative with dates (MyFICO reports + free annualcreditreport.com)

Dispute any inaccuracies (use the Road to 700 dispute log)

Past-due accounts brought current (biggest score lever there is)

Utilization under 50% on every card

Utilization under 30% overall

Utilization under 10% — the score-max zone

12 consecutive months, zero new lates

FICO 700+ 🏆 (UWM Orange gate — unlocks year-two buying)

Phase 4 — Save (after current + no new lates)

$1,000 starter emergency fund

1 month of essentials saved

3 months of essentials saved

Year-two acquisition fund opened (Memphis/STL — deliberately LAST on this list)

Monthly pulse — update the 1st of each month

Gig income (last mo)

Notary income (last mo)

MLO income (last mo)

Total past-due remaining

Total debt balance

Savings balance

Credit score (mid)

Last updated

The rules of the year

1. No personal property purchases until Phase 3 + 4 are green — deals get analyzed on camera, not bought.
2. No new business spending without revenue attached (the whole lead engine runs on $0).
3. Every gig hour doubles as audio time — trading psychology and Spanish keep compounding for free.
4. Windfalls follow the order: past-due → debt → savings. No exceptions, no "just this once."

Private tracker · saves to this browser only (localStorage) · pairs with Road to 700 Credit Checklist · built Jul 11, 2026