Hi everyone!

Recently I’ve been looking at different ways to either save money by cutting expenses or doing DIY projects and sharing it with you. But what happens if you are already deep in debt? How do you dig yourself out of a 10k, 15k or 20k debt etc…? Well, I have found two extremely helpful apps.  Both help you see the bigger picture when it comes to your debt and both give you ways of either eliminating your debt and/or improving your credit.

So let’s start with the first app – CreditKarma.com. If you have not been on this site you absolutely need to! Even if you don’t have debt you should always check what your “credit ” health is.  It’s a free app that gives you your credit scores in seconds. Additionally, if you are having credit issues it does give you pointers on how to improve your credit scores and it does suggest cards that you can transfer your balances to lower interest rate cards which in the end will help you save money when you pay back your debt.

The second app is from debtfreeplanner.com. This is also a free app available for Android and iPhones.  With this app you enter all your debt (one by one). You enter the total, the minimum payment amount and the APR%. Once you have entered all the information it totals it all up for you and you finally get to see exactly what you owe. And here lies the key, many times people don’t know exactly how much money they really owe. This is a real eye opener and a reality check. Initally it’s even a little depressing… but there is good news. The first step is finding out exactly how much you owe. Next step is figuring out how you are going to pay off the debt, and the planner helps you in this also… and here comes the light at the end of the tunnel!

It gives your three options to choose from.

  1. The Debt Snowball – with this payment plan you pay off your smallest account first. It is good if you have multiple credit card accounts to pay off. In part what this method does is keep you motivated as you see some of your debt disappear.
  2. The Debt Avalanche – with this payment plan you pay off the accounts with the highest interest rates first (which in the long run saves money) and saves you time as well.  If saving as much money in the long run is your goal then this method will keep you motivated!
  3. Custom Payments – You can choose which accounts to pay first.

No matter the option you choose this app will give you a date for when you will be debt-free.  When paying off your debt there are other tips that this site recommends – calculate how much debt you have, stop blaming yourself, make a debt payoff plan (and stick to it!), get your credit report (in my opinion this should probably be #1), and take action (meaning do something, anything, get your credit report, calculate your debt, etc…). Some other great tips to remember are: continue to save money (and if you are not saving money, start now) and don’t cash out your 401K to pay debt! Right now you might be drowning in debt but savings and your retirement plans are things that you will need in the future when you will be on a fixed income from pensions, retirement plans and if it is still around by the time you retire – Social Security.

Above all remember that getting out of debt will not be a quick thing. Most people get into debt over many years and getting out of debt (and restoring your credit) will take time too but it is totally doable!! I hope this post help some of you. Thanks for reading!


*All opinions expressed in this post are my own. I am not being compensated in any way for this post**

**Disclaimer – Information provided herein are for informational purposes only and are not intended as a substitute for professional advice.




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Thank you! Thank you! Thank you!! I’ve been trying to bring down my credit card debt for a while now and it just seemed impossible. After downloading the debt free planner everything seems possible. This app told me exactly how much my payments should be and by when I would be done paying off my debt, I feel like this will help me budget my overall income and remind me to stay on track. Thanks again!


You are so welcome! It IS a great app! I’m so glad I was able to help you. Stay strong with your goals you can do it! And keep me posted.

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