[CreditScoreTool] Add a budgeting tool to help manage debt payments

Hey everyone. I'm looking for some advice and a reality check on my plan to pay off my debt. I currently live paycheck to paycheck, but I've never missed a payment, which has kept my credit score high at 780. I know I need to do better with my daily spending—I just started using Rocket Money to track things and I'm actively working on improving my habits. My Financial Picture: • Savings: $1,500 • Tax Return: Expecting a $3,000+ chunk of money soon. • Lifestyle Changes: I just picked up the supplemental income mentioned above, and I'm actively looking for a roommate which will save me about $700/month on rent. My Proposed Plan (Let me know what you think): 1. Protect the savings: Keep my $1,500 in the bank as a starter emergency fund so I stop putting unexpected expenses back on these cards. 2. Deploy the Tax Return: Use the $3k to completely wipe out the Prime and Flex cards. They have the highest interest and the lowest balances, I'll put the leftover toward the CNVS Plus card. 3. Stop the interest bleeding: Leverage my 780 credit score to apply for a 0% Balance Transfer card. Move the heavy CNVS Plus balance over to buy me 15-21 months of 0% interest. 4. Attack the rest: Take the $700 I'll save from getting a roommate, my new supplemental income, and the $75/month freed up from the two paid-off cards, and throw all of it at the balance transfer card/remaining high-interest debt. The school loans stay on minimum payments until the credit cards are dead. Thoughts? Is a balance transfer the right move here? Are there any blind spots in this strategy? Thanks in advance!