Pay the minimum on everything, then throw every extra dollar at the highest-APR debt until it's gone — then roll that payment onto the next. Citi sits last on purpose: 0% until 2027, so it costs you nothing to wait. Enter each card's real APR so the ordering and payoff date are accurate.

Use the same passphrase on your Mac and phone to keep them in sync. Encrypted on this device first — the cloud only sees scrambled text.

A safety net even with sync on. Export a file you keep; Import restores it on any device.