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The 5-Minute Credit & Cash-Flow Audit
The same first pass the Prosperity diagnostic runs — on paper, right now. Five minutes, a pen, and your last statement.
1
Your true weekly margin (3 min)
- ☐Write your monthly take-home income (after tax): $______
- ☐Write your fixed monthly bills (rent, utilities, insurance, minimums): $______
- ☐Estimate your weekly "life spending" (gas, food, everything else) — multiply by 4.33: $______
- ☐True weekly margin = (income − fixed) ÷ 4.33 − life spending = $______
This is the number the whole diagnostic is built on — what you actually keep each week. Most people overestimate it by $200+.
2
Your daily interest clock (1 min)
- ☐List each card or loan with a balance over $500 and its APR
- ☐Daily cost = balance × (APR ÷ 100 ÷ 365) — add them up: $______ per day
- ☐Example: a $4,800 card at 24.99% costs $3.28 every single day
Minimum-payment statements never show this number. It is the price of standing still.
3
Your minimum-payment reality check (1 min)
- ☐For your largest card: how many years to pay off at minimums only? (statement lists it — look for the "minimum payment warning" box)
- ☐Total interest you will pay if nothing changes: $______
This is the box lenders are legally required to show you — and most people have never read it.
Want the machine version?
The Prosperity Software Bundle ($27 once) does all of this automatically — plus drafts your dispute letters, tracks the 30-day FCRA clock, and re-runs your numbers whenever life changes.
See the bundle — $27 onceNo subscription. 30-day FCRA tracker included.
Educational self-help material. Not credit repair services, financial advice, or legal advice.