Command center · jayr

Jay-R Joseph Gabunada

Asia/Manila · as of Tue, Sep 8, 2026. Seed snapshot Tue, Sep 8, 2026. Card purchases are individual merchants from the e-SOAs — never invented.

Next payday

Tue, Sep 15, 2026

7 days · 15th cycle

Total card debt

₱497,589.23

Live estimates after post-SOA payments. Auto loan excluded.

Due this 15th payday

₱14,578.34

Minimums on this cycle, excluding overdue catch-up and TPA.

Overdue mins

₱6,343.36

BPI Petron *7688 Aug SOA

Card balances MoM

+15.4%

Statement totals vs the previous SOA — not new spend. Spend MoM is n/a until the same card has two cycles.

Total expenses by month

Charges by posted date. Hover a point for the exact ₱. Payments out are not spend.

Open graphs →

Amount (PHP)

Month

Cards & loans

EastWest *1017

~28th of the month · 59% of limit

₱176,886.54

Scheduled

BPI Petron *7688

~31st / end of month · 87% of limit

₱209,684.85

Overdue

UnionBank Visa *3556

If current: ~1st next month. If TPA/forbearance: 17ths. · 49% of limit

₱98,588.74

Min paid

Chinabank *1007

~3rd–6th of next month · 9% of limit

₱12,429.10

Min paid

UB Personal Loan

Principal outstanding (limit − available)

₱16,562.93

BPI Auto Loan *9806

Unverified Jul notice — not in card total

₱36,647.00

Payday playbook

15th payday (now)

EastWest GOLD — ~28th
UB Personal Loan — ~21st–24th
UnionBank Visa (TPA only) — 17ths if enrolled

30th payday

BPI Petron — ~31st / end of month
UnionBank Visa (when current) — ~1st next month
Chinabank Freedom — ~3rd–6th next month
Smart Postpaid — ~30th

TPA / forbearance is optional: Forbearance needs ₱3,605.03. If enrolled, UnionBank dues land on the 17ths (15th payday). Otherwise due ~1st (30th payday).

Canceled subs ₱4,879.00/cycle not coming back (Grok, OpenAI, HBO Max, Higgsfield, Prisma).

Fees on seeded SOAs

₱15,787.16

Late fees ₱2,027.77

Installment still owed

₱121,669.46

Future terms only. Current billed unpaid ~₱23,203.13

Cash to creditors

₱71,282.64

Seeded receipts Jul–Sep (GCash, ADA, autodebit)