Debtless
Budget & cash flow
Stop counting the same dollar twice in a debt budget
Learn to spot double counting in a spending budget and debt ledger, 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
Credit card debt
Card autopay: choose the setting your cash flow can support
Learn to choose and monitor credit-card autopay settings, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Organize Appliance Financing and Repair Costs
Track an appliance-financing balance from its agreement and statement, while keeping repairs and future replacement savings separate.
Life & debt
How to Keep Debt Organized When You Work Night Shifts
Choose a debt-review time that fits your sleep and work schedule, and organize payments around actual due dates rather than ordinary office routines.
Privacy & habits
How to Prepare for a Creditor Call Using a Private Debt Note
Write the specific question, relevant dates, and verified figures before contacting the creditor through a known channel.
Getting started
Use a debt snapshot before making changes
Save a dated debt snapshot before changing strategy so later comparisons can separate repayment, revised assumptions, and corrected information.
Payoff methods
Finish the last small balance without leaving residual debt
Finish a small remaining debt balance by confirming the creditor’s final amount, checking later activity, and preserving evidence of payoff.
Free debt apps
Track a hypothetical plan without mixing it with real debt
Compare hypothetical debt scenarios without replacing verified balances or treating an unaffordable payment budget as your current commitment.
Budget & cash flow
A household debt meeting that ends with clear decisions
Learn to run a household debt meeting with clear payment decisions, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Making an extra card payment when autopay is scheduled
Learn to check how an extra payment interacts with scheduled autopay, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Track a Phone Installment Plan
Separate the phone-device installment from the wireless service charge, and use the current carrier agreement to identify the remaining device obligation.
Life & debt
How to Plan Debt Reviews Around Frequent Business Travel
Create a pre-trip bill check and a post-trip reconciliation, using verified accounts and careful handling of financial documents.
Privacy & habits
How to Move From a Spreadsheet to a Debt App Accurately
Choose a dated starting snapshot, verify its balances against creditor records, and enter each real obligation once in the new app.
Getting started
Choose a debt review day that you will keep
Choose weekly and monthly debt review appointments with clear jobs, manageable scope, and follow-up questions that do not derail the routine.
Payoff methods
Account for payment dates in debt projections
Understand how payment dates affect debt projections and separate the benefit of earlier timing from the effect of contributing more dollars.
Free debt apps
Read debt progress charts: payments are not progress
Read debt progress charts accurately by separating balance changes, money paid, data corrections, and future estimates based on assumptions.
Budget & cash flow
How to keep gift spending from becoming next month’s debt
Learn to plan gifts and occasions without adding credit-card debt, with a worked example, practical checks, and free debt app guidance.
Credit card debt
How to read a credit-card statement for a debt-payoff plan
Learn to review a credit-card statement for payment planning, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Track a Debt When the Required Payment Changes
Update the required payment from the new official statement or agreement, record when the change takes effect, and revise your cash calendar before.
Life & debt
How to Adjust Debt Payments When a Roommate Moves Out
Recalculate the household costs you must cover and keep any expected roommate contribution separate until its responsibility and timing are clear.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
