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If you ask any person that managed to pay off their debt how they did it, the answer will likely be similar - strategy and determination. Sound simple, right?
Well, it is. Paying off a debt isn’t magic done by some wizards in weird-looking dresses, but careful step-by-step planning.
So, we bring you 4 tips to help you pay off your debt and tools that make the journey towards a happier future super easy and even enjoyable.
1. Quickly List Your Debts
The first thing you need to do is swallow the bitter bill, sorry, pill and face the music. And that means listing your debts. If you don’t do this, you’ll just end up running circles.
We suggest Mint as a great tool to organize your credit cards, debts and everything else in a single app.
Trust us, you might cry a bit, but you’ll feel a giant boulder lifted off your back.
2. Easily Find the Pay Off Money
No, we’re not talking about borrowing money from shady people in a dark alley. The reality is, you have the money, you just don’t know it (yet).
A simple way to find “secret money” is by using the budget info you gather in Mint. This way you’ll have your master plan in one app.
This isn’t obvious until you start, but once you list, you’ll realize there’s $200 here and $200 there you can use.
3. Pick Your Personal Payoff Strategy
One strategy is to pay off the minimum amount for every debt except the one with the highest interest rate. Use the leftovers to pay the high-interest debt.
The second is the snowball strategy where you start with the low-interest first.
The first strategy is more effective, but the second provides quick results. We suggest Debt Payoff Planner for finding out which strategy works better.
4. Receive an Unexpected Payoff Boost
Remember that awesome financial plan you created following the first and second tip? Well, there are tons of small situations where you’ll “get” extra money along the way.
Bought something on discount? Got tax return? Received a bonus? Hell, got $100 for your birthday? Put all that saved money in the payoff budget.
When you sum up these mini inflows, you’ll discover that 2+2 can be thousand!
Debt can seem like a rabbit hole filled with spikes, snakes, bombs and everything else that makes going into it horrific.
But all you have to do is put your strategic hat on and start planning.
Just creating a simple strategy already removes tons of obstacles and using a couple of the Best 10 Apps for Calculating Credit Card Debt makes it even easier.
Don’t believe us? Well, you can’t know until you try it. Good luck!Check below:
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Blackjack is one of the most popular casino card games, so it's no surprise that there are thousands of entertaining blackjack apps to choose from. It's also no surprise that no two blackjack apps are created equally, and each one has its own unique game play and features, so narrowing down your options to find the right one for you can be tricky. Luckily, these tips should help you determine what you need to look for so you can hit the virtual tables in no time.Casino Games May 3, 2019 9 min read
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Checkers is a great game if you're looking for a quick board game to play with friends. Checkers apps are also the perfect thing for killing time or taking a break from your busy day to do something fun. If you're not sure where to start when it comes to picking your first checkers app or your new favorite checkers game, read through these tips before you get downloading. From the top games to multi-player versions and strategy tips, there are plenty of options to choose from!Board Games Apr 11, 2019 9 min read
Taking out loans is a huge part of being able to pay for those major and often necessary life purchases such as cars, houses, or education. While it can be daunting to make the decision to take out loans, with the right information and tools such as loan calculator apps, the process doesn't have to be too difficult. Just read through these five tips to find the right apps and you'll be ready to go to your lender with knowledge and confidence.Finance Apr 10, 2019 9 min read
Learning a new language can be difficult but with the help of proper language app, you'll be able to speak a new language! Language apps are a great way to practice a language and ensure you get the right amount of practice. Regardless of whether you have any prior experience with a language or not you can still benefit from a language app!Education Apr 5, 2019 8 min read
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