Debtless
Budget & cash flow
Paying off debt when childcare costs change week to week
Learn to fit debt payments around changing childcare schedules, with a worked example, practical checks, and free debt app guidance.
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Budget & cash flow
Debtless is a 100% free debt payoff app for iPhone. Find room for payments without losing sight of everyday expenses. It turns reading like this into a plan, drawing on 442 articles in this library.
Budget & cash flow articles
46 articlesBudget & cash flow
A cash-flow plan for months when income temporarily drops
Learn to adjust a repayment plan during a temporary income drop, with a worked example, practical checks, and free debt app guidance.
Budget & cash flow
How to measure whether a spending cut helped your debt plan
Learn to measure net spending cuts before raising a debt target, with a worked example, practical checks, and free debt app guidance.
Budget & cash flow
Use a zero-based budget without leaving checking at zero
Learn to assign every dollar while keeping a checking buffer, with a worked example, practical checks, and free debt app guidance.
Budget & cash flow
Plan debt payments around freelance income, not due dates
Learn to base freelance debt payments on collected, usable income, with a worked example, practical checks, and free debt app guidance.
Budget & cash flow
The 50/30/20 budget when you have debt
Adjust the 50/30/20 budget framework to fit real debt payments, including what to do when minimums alone exceed the 20% share.
Budget & cash flow
What percent of income should go to debt?
There's no single right percentage of income for debt; see how to work out a number that fits your essentials and leaves a buffer.
Budget & cash flow
A bare-bones budget for a short payoff sprint
Build a temporary, stripped-down budget to attack debt for a set number of months, with a clear rule for when the sprint ends.
Budget & cash flow
Using side income for debt without burning out
Put side income toward debt sustainably by counting only what's left after tax and costs, and setting a real time limit upfront.
Budget & cash flow
Selling things to pay debt: what is worth the effort
Decide which items are actually worth selling to pay down debt by weighing your time, marketplace fees, and the one-time nature of the cash.
Budget & cash flow
Break an overdraft cycle before paying extra on debt
Stop repeat overdraft fees before adding extra debt payments, since the fees themselves function like a high-cost debt eating your cash flow.
Budget & cash flow
Paying off debt while living paycheck to paycheck
A realistic approach to paying down debt when there's little room to spare: minimums first, a tiny buffer, and fixing payment timing.
Budget & cash flow
Rising prices and a fixed debt payment: adjust the plan
When groceries, gas or utilities cost more, learn how to rework a debt payoff budget by cutting the extra payment before you risk missing a minimum.
Budget & cash flow
Cash envelopes while paying off debt
How the cash envelope method can stop card spending from creeping back up while you pay down a balance, and which categories it works best for.
Budget & cash flow
A debt plan for a one-income household
Why a debt payoff plan should look different with one income than two, and how to size a buffer and pace that a single paycheck can sustain.
Budget & cash flow
The irregular expenses that knock debt plans off course
Car repairs, medical bills, gifts and annual fees don't show up monthly. Here's how to turn them into one predictable monthly set-aside instead.
Budget & cash flow
Budgeting the real cost of a car while in debt
A car loan payment is only part of what a car costs. Add insurance, fuel, maintenance and registration before deciding what's left for debt.
Budget & cash flow
Your rent went up. Rework the debt plan in 20 minutes
A rent increase eats into the same budget as your extra debt payment. Here is a quick way to recalculate the extra amount while keeping every minimum covered.
Budget & cash flow
Adjusting tax withholding instead of waiting for a refund
A large tax refund is money that could have been paying down debt all year. Here is how to use the IRS estimator to adjust withholding instead.
Budget & cash flow
When to pause extra debt payments on purpose
Pausing an extra debt payment can be the right call before a layoff, leave or known emergency, as long as minimums continue and a restart date is set.
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