Simplifi helped me justify taking a risk on Refinancing, and it looks like it worked

I was looking at my car payments, around $530/month, and with the cash flow forecast, it was looking like it would take me over a year to pay off basically 2 months worth of spending (credit card debt).

I refinanced online, which took some faith because it was with companies I hadn't heard of before, but they hooked me up with a loan at a credit union that looks legitimate. I verified today that they paid off the old auto loan so all looks to be legitimate.

Now, my payments are around $300/month, and after updating cash flow projections, just that little bit of extra money cut down my credit card payoff time to "about 6 months" or about half the time it was looking like before.

This is makes my financial situation look far less bad than it was.

Back in August I had $17,000+ in credit card debt, now I'm a bit below $7800 3 months later. Simplifi also helped me visualize my spending to see what I could cancel or return and recover some of that without having to pay it down myself. It also helped me identify monthly subscriptions i no longer needed or was even using.

In August, when I saw the $17,000 number (shortly after i recovered my dataset to normal, after previously letting it get into a state of disrepair) it was a big red flag that I absolutely needed to stop spending - - until I saw the amount I knew i was doing a "little extra spending" but had no picture how much.

In the last month, I closed a $4000 limit credit card BECAUSE it was incompatible with Quicken Simplifi —- and yesterday I opened a Capital One T-Mobile credit card (which is compatible) with the same limiit and similar rate.