In a stable organization where supervisors have been in their positions for years, there might be a need to restructure jobs to retain more ambitious employees, affording them more scheduling flexibility and possibly some upward mobility.
Restructure jobs are job position which nature and functions is changed with the aim- bigger satisfaction at the employees.
Usually if you keep paying things from your credit card you will obviously have to get more money so i would advise getting a wallet and carrying money in there.
Career plan? Action plan? I'm not sure.