Debtless
Payments & progress
Scheduled, pending, posted: three stages of a debt payment
Learn to distinguish scheduled, pending, and posted debt payments, with a worked example, practical checks, and free debt app guidance.
Money decisions, made clearer.
Payments & progress
Debtless is a 100% free debt payoff app for iPhone. Keep an accurate ledger and recognize progress you can sustain. It turns reading like this into a plan, drawing on 442 articles in this library.
Payments & progress articles
35 articlesPayments & progress
A ten-minute weekly debt review with one useful next step
Learn to build a short weekly review around one useful next step, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Track payments and balance reduction as separate measures
Learn to measure cash payments separately from net debt reduction, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Choose debt milestones that do not depend on a perfect month
Learn to choose practical debt milestones and verify progress, with a worked example, practical checks, and free debt app guidance.
Payments & progress
What to do when your debt-free date moves backward
Learn to review changed inputs when a debt-free date moves later, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Reconcile a debt ledger at the end of the month
Learn to reconcile a monthly debt ledger against creditor records, with a worked example, practical checks, and free debt app guidance.
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.
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.
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.
Payments & progress
Use a one-time extra payment without inflating projections
Learn to record a one-time payment without inflating future income, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Restart a debt tracker after several months away
Learn to restart a debt tracker from current verified statements, with a worked example, practical checks, and free debt app guidance.
Payments & progress
How to compare debt progress across unequal months
Learn to compare progress across months with different cash flow, with a worked example, practical checks, and free debt app guidance.
Payments & progress
Keep a useful private debt record without bank linking
Learn to maintain a useful private debt record without bank linking, 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.
Payments & progress
Write a debt progress note you can understand in six months
Learn to write a clear dated note explaining debt-plan changes, with a worked example, practical checks, and free debt app guidance.
Payments & progress
How lenders apply payments: fees, interest, principal
The general order lenders use to apply a payment across fees, interest and principal, and how credit cards handle amounts above the minimum.
Payments & progress
How to make a principal-only payment
How to send an extra payment straight to principal instead of having it sit as a paid-ahead credit, and how to confirm it worked.
Payments & progress
Tell your servicer where an extra payment should go
How to direct an extra payment to a specific loan when your account is really a group of several loans, like federal student loans.
Payments & progress
Payment cutoff times: when a payment counts as on time
How a lender's daily payment cutoff time works, why weekends can shift a due date, and what a mailed payment adds to the timeline.
Payments & progress
Autopay or manual payments: a practical split
A practical way to split debt payments: automate the minimums so nothing is late, and send extra payments manually so you stay in control.
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