Get out of debt your own way
The economy is in a rough spot right now – times are tough, jobs are scarce, and money is tight. It’s not a good time to have debt, and it’s an even worse time to have more. And here we are trying to get you to spend more money on some software.
The difference is – our program is going to end up saving you money.
We all know that we shouldn’t have debt, and if we do have any that we should get rid of it. “Get out of debt now! Fast! As fast as you can! Think of the money you’ll save!” the financial planners scream at us from our televisions.
But…realistically? So what. Talk, talk, talk. You’ve got bills to pay. You’ve got a life to live! You have expenses. Sure, you’ll try and send an extra $50 to your student loan on occasion, when you can. But if you happen to miss a few of those, well, what’s the harm? It’ll be paid off eventually, right?
And you’re right, it will be. But the difference between sending only the minimum payment to your loan and sending the most possible is huge. At the end of the day, would you like to pay all of that money in interest to your bank, or would you rather keep it in your pocket?
Better tracking yields better results
You don’t drive down the highway looking in your rearview mirror. Debtinator helps you keep track of everything you’ve done, but its focus is to help you plan for the future. You tell it where your money is coming from, and what you need to spend it on. It’ll analyze your situation and come up with a plan that suits you best. Other financial tools that only look at where you’ve spent your money are missing half the picture. You need to figure out where it’s best to spend the money to come.
Instead of demanding you make sacrifices and cut back to pay down your bills, Debtiantor tracks everything you want to do. If you want to spend $300/month on clothing, that’s fine. We’re not going to argue. Debtinator just needs to know about it. This isn’t one of those diet programs that says you can’t eat chocolate cake. This is one that shows you exactly what the effects of that cake will be on you down the road and lets you make the decision of whether it’s worth it or not.
You’ve probably got a little bit of extra money left over at the end of the month that you haven’t budgeted. It’s that $20 that a lot of us tend to have at the end of the month and end up blowing it on a pizza. Our bills are paid and we look in our wallets and think “Hey, free money!” and then poof! It’s gone as soon as we find it.
Debtinator will keep track of all of that extra cash for you and show you how to put it towards your debts. Don’t send the minimum to your mortgage. Send the minimum + that $20 you would’ve wasted. The best part is, you’re never going to miss it. You’ve already got money budgeted for pizza, so you’re not missing out. You didn’t even know you had it, so you’ll never notice when you include it with your loan payment. But your bottom line will show a huge savings.
This is how the banks do it. They watch every single penny they have coming in and going out and they’ll do whatever they can to bring in just a few more of them, because they understand that over time it adds up. You should have tools to do the same thing.
And it gets better. As debts get paid off, that frees up even more money. So once that car payment is gone and you have another $200 every month, don’t waste it on video games and movies, start sending it to your mortgage instead. You’ll never notice the difference – you’re still paying the same amount of money every month, you’re just writing one big check instead of two small ones.
Plus, you don’t need to make any changes to your lifestyle. Most debt repayment schemes want you to make sacrifices. “Just spend a little less eating out every month, and save thousands!” Don’t get me wrong – if you want to drop your clothing budget from $300 to $250, we’re all for it. Then you can create a scenario and see how much additional money that’ll save you. But it’s always your choice. If you want to cut back and pay off your debts even faster, then awesome! If it’s more important to you to go out to a movie from time to time and have a dinner on the town, then that’s awesome, too. The point is, all you need to do is be honest about how you want to live your life, and Debtinator will help with the detail work.
If you really miss that extra pizza every month you were treating yourself to, then just add it back in - another $20 in the pizza budget and Debtinator will leave it for you. The point is to play around and see what works for you. You can re-run a scenario as many times as you need until you’re happy with the results. Spend a little less or a little more now, but always know its effects over time.
Save thousands in interest with better planning
Frankly, I feel like a con man advertising this thing. It sounds too good to be true – give us $15.95 and we’ll give you back $1,000! But we’re not actually giving you any money like the scams claim, we’re just giving you the best tool to make sure you keep it in your pocket. It’s your money. Keep it.
The only sacrifice we want you to make is $15.95 to buy a better calculator to keep closer track of your money. So order a small pizza without the hot wings instead of your regular order and that pays for it. Then, when you start using it, you can save tens of thousands of dollars in interest payments.
When you factor in things like mortgages, we’re talking the ability to potentially get out of debt decades sooner with and pay hundreds or thousands less in interest. Surely $15.95 is worth that, right?
Getting rid of your debt means gaining freedom
How do you know who to send those extra payments to? Sure, you may be able to find that extra $50, but who is the best one to send it to? The debt with the highest interest rate? The one that has a low balance transfer rate now, but will skyrocket in 6 months? The one with the lowest balance so you can get it paid off more quickly?
Debtinator includes 21 different repayment strategies, so you can compare them all and see which one works best for you. Sure, realistically, using any strategy is going to save you a fortune over the minimum payments. But if you’re already doing something, you might as well do it right and save yourself that extra $500 by using the right strategy. So use the approach that works for best you.
We’re not here to judge, we’re not here to complain, we’re not here to demand that you radically change your life to pay down your bills. We’re just trying to give you a tool to manage the money you do have more effectively so you can get out of debt that much quicker.
If you have any debts at all (and who doesn’t), please give it a try.The savings can be huge.
Debtinator is a universal binary and requires MacOS X 10.5.4 (Leopard) or better.
For more information, visit www.bassetsoftware.com.We’ve got tons of documentation, quick start guides, and tutorial videos to help get you up and going fast.
Keep track of your transactions and schedule payments
And how do you keep track of it all? How much to pay to whom and when? By using the built in transaction ledger. Far more than just a simple checkbook program,
Debtinator helps you partition your bank account into virtual budgets so you can use the Envelope Method
in modern electronic times.
Plus, after you’ve run created a scenario to figure out your optimal repayment strategy, you can then save it as a payment plan so all of your spending is scheduled out for you. No more
needing to keep track of how much you’re sending to your mortgage and when, it’s all available for you and logged into your ledger with a simple click of the “Apply” button once you write the check.
And as an added bonus, you can keep track of your credit cards in the ledger just as easily. This isn’t just for bank accounts, after all. Track all of your spending and see where your money is really going.
And if life changes and something unexpected comes up? Not a problem – just regenerate your payment plan and Debtinator will adjust your schedule to compensate for that unforeseen expense or additional income. If that $500 car repair bill is going to cause you to miss a mortgage payment in 5 years, you can find out about it now and take steps to address it before it becomes a problem.
Finally, if there’s some financial tidbit that the app is missing that you’re just dying to have, please tell us about it. We’ve thought of a lot, but we haven’t covered everything. So let us know. If the app can already do it, we’ll show you how. If it’s a good looking feature, we’ll add it in. Trust us, we hate debt even more than you do, so anything we can do to stomp it out for everyone, everywhere, we’re willing to look at.
Good luck!
Debtinator is a universal binary and requires MacOS X 10.5.4 (Leopard) or better.
For more information, visit www.bassetsoftware.com.We’ve got tons of documentation, quick start guides, and tutorial videos to help get you up and going fast.
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