Debtless
Credit card debt
A card grace period is not extra time after the due date
Learn to distinguish a purchase grace period from a payment deadline, with a worked example, practical checks, and free debt app guidance.
Money decisions, made clearer.
The Debtless Journal
Debtless is a 100% free debt payoff app for iPhone. Practical ways to get out of debt, one decision at a time. Clear examples, useful routines and a free app to put your plan into practice. The Debtless Journal is a free debt blog of practical articles on payoff methods, credit card interest, loans, collections, budgeting and privacy, written for anyone deciding how to pay down what they owe. It turns reading like this into a plan, drawing on 442 articles in this library.
The Debtless Journal articles
442 articles
Payments & progress
Avoid duplicate payment entries when tracking debt manually
Learn to find and prevent duplicate manual payment entries, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Keep Family Loans Clear and Respectful
Write down the amount, schedule, and how payments will be acknowledged before tracking a family loan. Build a clear manual plan with the free Debtless app.
Life & debt
How to Adjust a Debt Plan After a Car Repair
Record the repair's actual cost and how you paid for it, then rebuild the next pay period before restoring optional extra debt payments.
Privacy & habits
How to Keep Debt Notes Free of Passwords and Security Codes
Use debt notes for planning facts and questions, not passwords, one-time codes, or security answers. Build a clear manual plan with the free Debtless app.
Getting started
Plan for annual bills while paying down debt
Plan for annual bills while repaying debt by dividing the remaining cost across the saving periods left, with a clear worked reserve example.
Payoff methods
Keep your payment steady when the minimum falls
Understand the effect of keeping a planned debt payment steady when the minimum falls, and when a budget change may justify a lower payment.
Free debt apps
Track required payments in a free debt app
Track required payments in a free debt app while checking new statements, changing minimums, and the extra money actually left in your budget.
Budget & cash flow
A grocery budget that supports debt payoff, not starves it
Learn to measure realistic grocery savings for your debt budget, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Plan for residual interest after a credit-card payoff
Learn to check residual interest after paying a card balance, with a worked example, practical checks, and free debt app guidance.
Payments & progress
A payment reminder should leave time to act, not just warn
Learn to set payment reminders with time to act and verify results, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Track an Employer Loan or Paycheck Deduction
Use the written agreement and actual pay stubs to track a loan repaid through payroll. Build a clear manual plan with the free Debtless iPhone app.
Life & debt
How to Prepare a Debt Plan for a New Baby
Use confirmed leave income, essential baby costs, and existing required payments to build a temporary household plan before choosing extra debt payments.
Privacy & habits
How to Check a Suspicious Debt Payment Text
Do not use an unexpected payment message as your source for account access or a debt-balance change. Build a clear manual plan with the free Debtless app.
Getting started
Review one month of spending for debt repayment
Review a month of spending to find repeatable debt payment savings, distinguish real cuts from delays, and test changes before committing money.
Payoff methods
Split extra payments or focus them on one debt?
Compare splitting extra debt payments with focusing on one target, using equal dollars and a clear explanation of the goal behind each choice.
Free debt apps
Use a debt app alongside your bank’s payment tools
Connect debt planning with bank and creditor payment tools, keeping intended, submitted, and posted payments clear throughout the workflow.
Budget & cash flow
A subscription audit that turns cancellations into payments
Learn to verify subscription cancellations and reassign the savings, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Evaluate a balance-transfer fee before moving card debt
Learn to include balance-transfer fees in a realistic comparison, with a worked example, practical checks, and free debt app guidance.
Payments & progress
What to record after a payment is returned or reversed
Learn to correct a reversed payment and confirm the next steps, with a worked example, practical checks, and free debt app guidance.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
