AP Schedule — All Payables (Joint + Tom)

CONFIRMED Flagler (Tom 7/22). Has missed before: gap Nov ’25–Feb ’26 then $3,505.56 catch-up 3/1/26.

IDENTIFIED 7/23/26: drafts as “Midwest Loan Ser” from PLaw x4053 — Midwest Loan Services is the CU mortgage subservicer for Sun East FCU. Exact $4,388.48 monthly, posts 1st (or last biz day), all 19 statements, active 6/1/26. P&I only, no escrow. Former duplicate “Midwest (identify)” row merged here.

x4053: posts 1st (or last biz day), every month Dec ’24–Jun ’26 — same billpay batch as Midwest/PHEAA.

x4053: drafts 1st–4th; first draft 10/2/25 — loan started Oct ’25 (prior Tesla/WF x8150 last drafted 7/29/25).

Due 1st (verified 7/21), drafts x4053 the 3rd–6th. Observed $2,642.56 → $3,077.48 (Feb ’25) → $3,057.79 (Aug ’25–Jun ’26); $3,086.45 = escrow change from Aug ’26.

x4053: drafts 3rd (next biz day) every month Dec ’24–Jun ’26; MS acct ref changed …0461→…8371 Apr ’25. Still unidentified — ask MS.

🔴 Boat sold / lien paid 7/22/26 but autopay was still drafting 6/3/26 (and likely 7/3) — cancel at BMO before the ~8/3 draft fires against a paid-off loan.

x4053: drafts 4th (next biz day), all 19 months. Bal ~$4.5K — nearly paid off.

x4053: drafts 4th–8th, all 19 months (avg ~$259).

Posts 7th–13th — fund x7224 before the 7th.

x4053: paper check ~2nd week (#6778 12/17/24 → #6853 2/24/26); ⚠ NO payment visible Mar/Apr ’26; since 5/18/26 paid by Zelle to Kathleen Petrelli split $1,000+$1,000+$166.67. Ends May 2027.

IDENTIFIED 7/23/26: x4053 ref …4712 = policy 114 324 712 (Tom life, agent Chiappinelli). Drafts ~11th–13th, all 19 months.

One of 3 recurring State Farm policies — identify coverage. June charge not visible in export.

NEW 7/23/26: $775/mo since 2/20/25, drafts ~15th–17th. Ref …5591 matches Equitable policy 569 315 591 (Alison life) — but sheet says that policy is $1,469/YR. Verify w/ agent: premium restructure vs policy-loan repayment ($9,300/yr drafting).

Often posts earlier (6th–13th observed).

x4053: drafts 17th–19th, all 19 months Dec ’24–Jun ’26.

x4053: drafts 20th–22nd, all 19 months. (Other WF loan x8150 $1,436.32 ENDED — last draft 7/29/25, old Tesla traded ~Aug ’25.)

June charged $48.02 — repriced?

IDENTIFIED 7/23/26: this is the “Electric — Flagler” unknown — FPL x…8282, drafts ~23rd–27th, all 19 months on x4053.

NEW 7/23/26: $577.84/mo all 19 months on x4053 (~24th; Feb ’26 paid by paper check). Likely life/LTD premium — identify policy.

NEW 7/23/26: $179.98/mo since Jan ’25 (first drafts were catch-ups $719.92/$359.96), ~25th–27th. Trionfo = insurance/benefits administrator — identify policy.

x4053: drafts the LAST business day of each month, all 19 months Dec ’24–Jun ’26.

On card 23/24 months. Business-candidate (marketing/content use plausible).

Multiple channel subs, $4–12 each, 2–3 charges/mo.

UNIDENTIFIED recurring since Mar ’26, Ft Lauderdale descriptor — identify or cancel. Same NNNWORD*WORD aggregator format as VODTOPIA/WRYLIS.

All 24 months ($31.75→$32.35).

All 24 months.

15 of 24 months; last seen Apr ’26.

Active since Oct ’25.

Since Dec ’25, multiple tiers same month. Business-candidate (content-automation tooling).

Active since Mar ’25.

Business-candidate. Abu Dhabi merchant.

UNIDENTIFIED recurring since Feb ’26, Ft Lauderdale descriptor — identify or cancel.

UNIDENTIFIED recurring since Apr ’26, Ft Lauderdale descriptor — identify or cancel.

MIXED: personal + firm spend on it; PLaw x4053 pays it in 2026, but PP funded 94.3% ($1.09M) of 2025 payments — Tom to rule owner. ⚠ 2/17/26 autopay NSF-BOUNCED from x4053 (reversed 2/18, retried 2/20 — cleared). NOTE: PP x4073’s big “AMEX EPAYMENT” ACHs ($50K 3/4, $60K 4/6, $130.3K 5/18, $110K 6/8, $100K 6/16, $50K 6/25 + $163.5K Dec) do NOT land on this card — they pay PP corporate AmEx 2100201 (firm card, excluded here like Truist x9652).

100% PERSONAL spend (Tom 7/22 ruling) but pays from the firm account — move to a personal acct. 2025: PLaw autopaid $324,231.52 over 13 payments. No April ’26 autopay (3/24 online pmt covered the cycle).

STATEMENT-VERIFIED 7/23/26 (citi-9134 analysis, 24 stmts Jun ’24–Jun ’26, 24/24 tie): balance $36,636.57 @ 26.49% promo APR (peaked $51.6K Jan ’26); interest running $700–$1,100/mo — 2025 interest $8,491.70 + $595 fee. Refinance/retire this balance. x9134 IS the AAdvantage card — the “Citi — AA card paydown” line (Joint page, x7224-sourced) is the SAME card; x7224 lumps $145–$11,318 also hit it. Manual paydowns from x4053: 12/1/25 $15K · 2/9 $15K · 5/1 $3K · 5/7 $15K (no Feb/May autopay — lumps zeroed the min due). Truist card x9652 payments from PP x4073 are FIRM — excluded.

Roughly monthly but skipped Jan + Mar ’26 (interest-free card — pay-in-full varies). Get the Wallet export to see statement balances/due dates.

NJ quarters Feb/May/Aug/Nov. May ’26 quarter NOT visible on tracked cards — verify it was paid. Next real due Aug 1.

Cadence unconfirmed — verify with Pye Barker.

Confirm whether next term moves into Planet Home escrow.

Opened 7/8/26 ($295); winterize ~Nov (estimated).

Most expire 11/25/2026.

Manual annual billing. Next bill due 12/28/26.

Covers 2021 Grady-White 335 Freedom and 2021 Sea-Doo Wake Pro 230. Sold 2014 Grady-White 275 removed 7/23/26.

Rings — could be Mindy’s jewelry; confirm whose policy.

Per Tom 7/22. Verify 2026 was actually paid — no payment visible in tracked accounts.

✅ Paid 7/21/26 for 6/28/26–6/28/27 term (conf 585143549).

✅ Paid 6/30/26 for 6/28/26–6/28/27 term. Umbrella usually covers the household — confirm joint vs Tom-only.

Renewal date UNKNOWN — verify whether inside the $4,691/mo Carrington escrow.

Single charge so far (7/3/26) — cadence unknown; overlaps Terminix?

Added per Tom 7/22 — identify service type, due month, payment source.

Added 7/23/26 from Citi x9134 statements: 7 charges Jun ’24–Feb ’26 totaling $6,916.28 ($240.92–$3,132.01) — identify the policy. NOT the Grady White boat policy (946135298, tracked separately, owner personal).