Debtless
Budget & cash flow
Keep reimbursement money separate from income in your debt plan
Learn to keep reimbursements separate from new income and payments, with a worked example, practical checks, and free debt app guidance.
Money decisions, made clearer.
The Debtless Journal
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 articles
200 articles
Credit card debt
Ask your card issuer about a lower APR with a clear script
Learn to ask a card issuer about a lower APR and verify the terms, with a worked example, practical checks, and free debt app guidance.
Payments & progress
What to do with a payment amount after one debt is finished
Learn to reassign a payment after verifying a debt is finished, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Keep a Rent Catch-Up Plan Separate From Current Rent
Track a confirmed rent-arrears arrangement separately from the ongoing rent obligation, and retain the written agreement.
Life & debt
How to Keep Holiday Spending From Disrupting Debt Payments
Choose a total holiday spending limit from cash available after essentials and required payments, then divide it across the celebrations and purchases you.
Privacy & habits
How to Keep a Private Debt Routine on a Shared Device
Consider who can access the device and what information may be visible before keeping a personal debt ledger on it. Build a clear manual plan with the free Debt
Getting started
Turn a debt target into a payday routine
Turn payday into a repeatable debt routine: confirm usable income, reserve upcoming necessities, make supported payments, and verify posting.
Payoff methods
Handle a promotional rate deadline in a payoff plan
Add a promotional rate deadline to your debt plan and check the agreement, payment allocation, and consequences before relying on a forecast.
Free debt apps
Avoid duplicate debts when moving from a spreadsheet to an app
Move debt records from a spreadsheet to an app without duplicating historical snapshots, losing account meaning, or creating conflicting totals.
Budget & cash flow
Use a low-spend weekend as a debt-budget experiment
Learn to measure a low-spend weekend without counting delayed costs, with a worked example, practical checks, and free debt app guidance.
Credit card debt
What to prepare before calling about an unaffordable card minimum
Learn to prepare a realistic call about an unaffordable minimum, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Create a debt progress note you can understand six months later
Learn to write a clear dated note explaining debt-plan changes, with a worked example, practical checks, and free debt app guidance.
Loans & bills
How to Plan for Annual Insurance While Repaying Debt
Treat an upcoming insurance premium as a planned expense rather than a surprise debt payment. Build a clear manual plan with the free Debtless iPhone app.
Life & debt
How to Handle a Work Reimbursement While Paying Off Debt
Keep reimbursable work expenses separate from personal spending and track the reimbursement's status until the money arrives.
Privacy & habits
How to Keep Financial Documents Out of Casual Photo Sharing
Review where statement photographs and screenshots are stored before sharing albums, handing over a phone, or sending recent images.
Getting started
Distinguish debt minimums from your planned payment
Keep creditor minimums separate from planned extra payments so changing requirements do not quietly distort your budget or repayment forecast.
Payoff methods
Evaluate a debt strategy after a rate changes
Update a debt payoff plan after an interest rate changes, using the effective date and checking whether the extra-payment priority also changes.
Free debt apps
Make a five-minute debt app review useful
Make a five-minute debt app review useful by focusing on deadlines and changed information, then identify issues that need a longer session.
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.
Credit card debt
Credit-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.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.