IL is in a shelter in place but Home Depot is open as an essential business, so your side hustle should be fine as long as people don’t cancel to avoid contact.
Comcast - You need to know what you want before you talk to them. On your phone (so it doesn’t register your WiFi connection) enter a random address in your neighborhood on xfinitys site to see what the new customer deals are. Select see all offers. Narrow to internet only. Somewhere in there, likely smooshed between two expensive options, is the 25 mbps performance started pick. This is what you want to switch too and that’s the price you want it at. I.e. I entered a random Manchester address (no idea if that’s your city, just an example) and 25 mbps is $49.95. This option is often more a stable price than the boost they bundle with cable to make it feel like it’s cheaper to bundle, b/c those are promo rates for 1 year and then get jacked up. Call Comcast ask to switch to 25 mbps and drop cable. If they won’t honor the lower price, ask to cancel. If they still don’t lower it, cancel your internet, once it’s effective wait a day or two, have GF sign up for new customer rate under her name. Make sure you sign up for autopay and e billing to get the $10 discount. Also make sure you are not using their router. Buy your own, they’re like $100 at Best Buy and saves you $15/month in equipment fees.
Verizon - when you get that side job money, use part of it to pay off the $125 phone if you’re not otherwise on contract so you can switch to a Verizon mnvo. Red pocket can run on Verizon’s network and has plans as low as $10/month. (Coworkers mom in rural Indiana has great success with this.) or check out total wireless if your phone isn’t red pocket compatible for some reason (check on their site not outdated forums, b/c they’ve increased amount of compatible phones. This will help with cash flow.
Electricity - anyway you can cut this back? We lowered ours $10/month in a small apt by unplugging everything we could and only plugging in when using (including the TV), turning off lights, and only using the drier for sheets. Hang drying is really worth it.
That’s a lot of space to not address what you should be paying on debt, but it’s because reducing your expenses increases cash flow to pay them down and really shouldn’t be overlooked. Even $25/ month in savings will help wipe out the lower cc amounts and snowball your cash flow.
For your GFs employment. If she hasn’t been officially laid off, but has no hours and no pay, have her tell them she needs docs to show lay-off for unemployment or they need to pay her, with or without hours. Then, if they don’t pay her, she can collect unemployment which is now (assuming house passes the bill tmrw) going to be extra generous and should help out a lot. I *think* part timers became eligible under first relief act and now they’ll also get an extra $600 a week in benefits regardless of prior income. (Assuming I sorted all the messy news coverage of these bills and their status correctly.)
Also how’s a good time to call insurance companies for cheaper rates if you haven’t already done that.