Turning my redundant code into Function(s)

OK so i’m a php butcher and have managed to write a nice piece of code… Or until testing so i Thought. I have a Credit Card Payoff snowball payoff that take inputted values from sql query and loops thru the payoff of each card snowballing the previous payment at the payment following the payoff of the previous card. I really need help either cleaning this code up with IF statements or convert it into functions. Here is the Code please don’t laugh I did say I’m a Butcher.

Had to use pastebin

http://pastebin.com/ekD5SfHR

It works with 2 cards a 3rd and i get a blank record of just the table looping, Please Please anyone Help

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