I know, I hate it when girls come in and say, "Y'all should try this thing!" but I'm doing it myself because a) it's free and doesn't track you and b) I've found it really, really helpful.
http://www.whatsthecost.com/
I've been using this website to help me "debt snowball" for the last year or so. It's a calculator and a tracking system where you write in your debts, the minimum payments and the interest, then how much money you want to pay to all your debts a month. It tells you how long it'll take for you to pay off all your debts if you keep paying that same amount each month.
It's been really helpful for me because it's told me a couple of times the best way to pay off the debts (by interest, instead of by amount) and the best amounts to pay off per month on each. I've saved thousands of dollars in interest payments and it's really helped keep me motivated.
At this point I really look forward to entering in how much I've paid off each month! It keeps me motivated and accountable. It's been great to look at the amounts of my debts and watch them dwindle.
When I got a new debt recently (car loan) I tweaked all the financial information in my saved snowball. That made me find out that I need to keep my student loan payment what it is and lower another bill instead. Keeping my student loan payment pays off my loan in 25 months. Had I lowered it like I was inclined to it would have taken 60 months and cost me a lot more in interest! It really helps me keep on track.
Anyway, long post but I thought y'all might want to know. It's helpful I think.




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