Debt Payoff — Manor Finance

Chase promo confirmed — December 2026 billing cycle deadline

Chase (...3942) used a balance transfer to pay $7,000 toward the Barclays balance. That $7k now sits on Chase at 0% through the billing cycle ending December 2026, then converts to 27.49%. The December ESPP must clear this balance before that billing cycle closes — the exact cycle close date matters, not just the month.

PRI	CARD	BALANCE	APR	STRATEGY
1	Barclays Mastercard (...5399) · balance after $7k transfer out	$12,807	30%	Highest rate. Primary target for all extra monthly payments and the June ESPP drop.
2	Chase Sapphire (...3942) $7,000 @ 0% PROMO · EXPIRES DEC 2026 BILLING CYCLE · CONVERTS TO 27.49%	$19,913	28%	Pay non-promo $12,913 as priority 2. Use December ESPP to clear the $7k promo before it converts.
3	Capital One QuicksilverOne (...1715)	$8,662	28%	Smaller balance at the same rate as Chase. Falls quickly once the Barclays cascade arrives.
4	Bank of America (...8173)	$16,864	27%	Lowest rate. Receives the full cascade once the three above are cleared.

Monthly rhythm

Pay minimums on all four cards every month — no exceptions, no missed payments.
Stack the full $600 extra onto Barclays only until it hits $0. Do not split between cards.
When a card clears, its freed minimum cascades automatically to the next priority. The monthly burden stays the same but the attack rate accelerates each time.
Auto-charges on cards are fine as long as they post and clear before interest. Keep recurring charges off Barclays where possible so the paydown target is a clean decreasing number month to month.

Barclays · Priority 1

$12,807

Chase · Priority 2

$19,913

Capital One · Priority 3

$8,662

Bank of America · Priority 4

$16,864

Est. Minimums

~$1,165/mo

across all 4 cards

Extra Target

$600/mo

to Barclays first

HELOC Running

$900/mo

Venmo · separate project

Apr 2026 — Now

Project starts. Barclays is the only extra-payment target.

$600/mo extra stacked on Barclays, minimums maintained on all other cards.
Net monthly reduction after 30% interest: roughly $530 at current balance.
First action: confirm the exact Chase December billing cycle close date and put it on a shared calendar.

Jun 2026 — ESPP DROP

Lump sum to Barclays: ~$4,500

Estimated ESPP proceeds after tax. Barclays drops from ~$11,500 to ~$7,000.
Full amount hits Barclays. Do not split between cards.
Monthly cadence continues unchanged after the drop.

Dec 2026 — ESPP DROP + PROMO DEADLINE

Critical month — two things happen at once.

By December, Barclays is approximately $4,000 to $4,500 remaining.
December ESPP (~$4,500) clears Barclays. Any remainder goes directly to the Chase promo balance.
The Chase $7k promo converts to 27.49% after the December billing cycle closes. This is the highest-leverage month in the entire plan — manage it actively. Set a calendar reminder in October.

Early 2027 — Barclays Cleared

Freed Barclays payment cascades to Chase.

Old Barclays minimum (~$250) plus $600 extra now fully attacks the Chase non-promo balance.
Monthly attack rate on Chase increases materially from the cascade.

Mid–Late 2027

Chase clears. Capital One enters active paydown.

Capital One is smaller and likely clears within 2 to 3 months after Chase given the stacked cascade.
By this point, freed minimums from two cleared cards are accelerating every remaining balance.

2028 — Final Card Clears

Bank of America hits $0. All credit card debt eliminated.

All freed minimums plus $600 extra redirect to the HELOC — payment jumps from $900 to $2,400+/mo.
HELOC acceleration phase begins as a separate Manor Finance project.

2029–2030 (est.)

HELOC clears. Emergency Reserve begins.

$47,000 HELOC at accelerated paydown. Timeline depends on rate and equity grant deployment.
Once clear, full surplus redirects to Emergency Reserve (6-month target in HYSA).
This unlocks the Goals phase — retirement acceleration, lake house savings, lifestyle cost planning.

Equity grants are not baked into the base timeline — the plan survives without them. Every grant deployed to debt accelerates the payoff date by months, not weeks. These scenarios show the range.

SCENARIO C — ESPP + LARGE GRANT YEAR

If Julia's grants come in strong, a single vesting event of $15,000 or more could clear Barclays and the Chase promo in one shot.
Timeline compresses to approximately 18 to 22 months.
Don't plan around this — but don't scatter a large grant across lifestyle spending while carrying 28 to 30% interest. Treat any single grant over $8k as a dedicated debt event until all four cards are clear.

CFP — Behavioral Blind Spot

The math is sound but the silent risk is card reuse. If Barclays keeps accumulating auto-charges while it's the paydown target, net monthly reduction shrinks without looking like it in the budget.

Move recurring charges off Barclays to a different card where possible.
Check the Barclays statement once a month — the balance should be visibly lower every single cycle.

Strategist — Devil's Advocate

Balance transfers could theoretically compress this. A 0% promo on Barclays would eliminate ~$320/mo in interest immediately. The case against:

Transfer fees of 3 to 5% cost $384 to $640 upfront on a $12,807 balance.
Most promo windows are 15 to 18 months — tight given the Chase promo already running to December.
New credit line means a hard pull and added complexity during active paydown.

Not recommended at current payoff speed. Worth a 10-minute check in Q3 2026 if Barclays balance growth is outpacing paydown.

What Could Go Wrong

ESPP market timing. Proceeds depend on HubSpot share price at the purchase window. A bad window could mean $2,500 instead of $4,500. The base plan must survive a low-grant year without going off track.
Manor build cash squeezes. U-Bed, shed, and future patio projects have real material costs. Two tight months in a row will compress the $600 extra toward zero. Keep build material purchases off the four targeted cards.
Chase promo mistiming. If the December ESPP funds land after the billing cycle closes, the $7k converts to 27.49% immediately. Set a calendar reminder in October 2026 — confirm the exact cycle close date and allocate the ESPP before it closes, not after.
Tax bill shock. April 2026 transactions show a $7,719 IRS payment. If annual or quarterly tax bills recur at this scale, they need to be planned for in advance, not absorbed from the debt payoff budget mid-year.

WHEN	ACTION	OWNER
This week	Log into Chase (...3942), find the exact December 2026 billing cycle close date for the promo, and add it to a shared calendar.	Caleb
This week	Designate Barclays as the only extra-payment target. Any payment above minimum goes there exclusively — no splitting.	Caleb + Julia
May 2026	Check HubSpot portal for June ESPP vesting estimate. Earmark 100% for Barclays paydown.	Caleb
Oct 2026	Review Chase promo remaining balance and December ESPP estimate. Confirm December allocation plan before the billing cycle closes.	Both
Dec 2026	Apply December ESPP: clear Barclays remainder first, then any remaining funds to Chase promo before the billing cycle closes.	Caleb

Credit Card Debt Payoff

Avalanche sequence with ESPP deployment — April 2026

Monthly rhythm