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HomeBlog BlogDebt Management Software – Valuable And Versatile Tools
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Debt Management Software – Valuable And Versatile Tools

December 23, 2012 by National Debt Relief

Man interacting with smart phoneIs getting your debt under control number one on your holiday wish list? The big day is almost here so what you might really want under your tree is some debt management software. There are a number of alternatives available – ranging from an app that does nothing but keep track of your expenses to fully-feature software that will even remind you if you go over budget in any of your spending categories.

The most popular – Mint

Judging by its number of users, the most popular personal finance management software available is Mint (www.mint.com). You begin by creating a Mint account and then connect it to all of your accounts, including checking, savings, personal loans and investments. Mint will then organize all of your information so you can see where you stand almost instantly. It will automatically organize your spending in categories such as rent or mortgage payments, transportation, clothing, even latte’s and then show you where your money is going with easy-to-understand charts. Mint will create a budget for you and keep you on track with email alerts and bill reminders. Just as important, Mint can help you set goals for managing your debts and will then provide free advice, encouragement and even gentle reminders.

You Need A Budget

If you are having a problem managing your debt, you need a budget. In this case, the program You Need A Budget (YNAB) should do the trick. This software is available for use on a PC, a Mac, an iPhone and Android phones. YNAB can help you better manage your money if you just follow its four basic rules. You can use the YNAB mobile app to record all of your spending so that your budget is always up-to-date. It says it can help you deal with overspending, cut your costs, save money and, thus, get out of debt faster.

Buddi

If all you need is an electronic check register to track your spending, along with a simplified budgeting tool, Buddi might be your best choice. It’s a very simple budgeting program that runs on Mac, Windows and Linux computers. Its maker says that Buddi is best for people with little or no financial background. You can use it to create categories (it has some to get you started), track your spending in each category and, thus, do a better job of managing your money, which can help you do a better job of managing your debt.

Debt Analyzer

Unlike Mint or Buddi, Debt Analyzer is a single-purpose program. Its only purpose is to help you understand and reduce your debt. You can use it to create a professional plan to reduce your debts by applying the same techniques that are used by credit counselors and banks. The difference is, of course, that you can do it in the privacy of your home. People who have used this program say that it’s very easy to use and understand and that it has helped them create plans to become debt-free in as few as two years and save thousands of dollars in interest charges.

Savvy Money

This program, like Debt Analyzer, is designed to help you get out of debt. It says that it will help you understand your debt, then create a payment goal and what it calls a SmartPay® Plan. You can then use the program to follow your progress and stay on track in paying down your debt. Savvy Money also has what it calls Accelerator Actions that will help you find extra cash to apply your debts and become debt-free even quicker.

The Debt Optimizer

This program promises that you will be satisfied with its performance or you will get your money back. It is designed to help you automatically reduce and eliminate debt. The company that sells the Debt Optimizer says that it will take years off your mortgage and save thousands of dollars in interest. It doesn’t require you to refinance or get a home equity loan. Users of this program have said things like, “helped me create a realistic plan of action to banish ALL of my debt,” and “It’s a way to get a handle on your debts and create an optimal plan to pay them off and get you out of debt”.

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National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/24/2021 Charlotte: Our call is recorded. How did you first hear about National Debt Relief? SABAD: Oh, I was just Googling, “How do you solve for debt collection?” And this is what comes up in the research. Charlotte: Was there any particular reason that you selected National Debt Relief as opposed to the others that came up as well? SABAD: Honestly, no. There's no reason. I just thought this was the best. Charlotte: Tell me about the service that they provided for you. SABAD: The service they provided was getting like, “You have 24 months to 42 months to get debt relief. This is how much you have to pay. You have to [reapply 0:01:19]. We can contact all the credit --” All the details they gave me, actually was knowledgeable. And I talked to one of my coworker, and she told me she did it like a year ago. I'm like, “Oh, I just signed in.” And she's like, “Yeah, they're the best.” Charlotte: What did you think about the enrollment process as far as how easy or difficult would you say it was? SABAD: I believe it was easy. I don't think it was hard. Anybody can do it. Charlotte: Do you remember the name of your negotiator? SABAD: Yeah, I think it was Oscar. I don't remember his last name. Charlotte: Is there anything about him that stood out and impressed you at all? SABAD: The way he explained to me, how he gave me the explanation. He didn’t put me in a pressure. He say, “Hey, take your time.” He gave me like three days to enroll. He say, “Hey, I’ll give you three days. You can go and research. Here’s my telephone number. Here’s my fax.” The way he provided all of it, that’s what made me say, “Hey, I think I can trust these people and do it.” Charlotte: How comfortable did you feel working with National Debt Relief through this whole process? SABAD: 100%. Charlotte: Is there anything about your negotiator that really stood out and impressed you? SABAD: Everything he did impressed me. Charlotte: Is there anything about this process that you would have liked to have seen handled differently? SABAD: Maybe quick -- but I believe it depends on your budget and the time, so I think they're trying their best. But everything’s take a long time. So, I don't wanna be [unclear 0:03:20]. Charlotte: If you had to rate this experience on a scale of one to five stars, five stars is that you would recommend to friends and one star is you're pretty dissatisfied, how would you rate? SABAD: You said 5 is the what? Charlotte: Five is the very highest you could rate them. SABAD: I will say actually 5. My opinion, I would say 5. Charlotte: Would it be okay if I posted your comments as a review on our public website for National Debt Relief? SABAD: Absolutely. Charlotte: I have you at sabadsamatar2014@gmail.com. SABAD: Yes. Charlotte: How would you say that working with National Debt Relief has impact your life? SABAD: It’s impact everything the last two years. I don't think I would survive without them. Whatever happen right now, to me, especially when COVID happened, I'm like, “Thanks, God.” It was the right time for me. I think God opened a door, say, “There we go. This is your right door that I opened.” Charlotte: We’re recorded.

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