{ "media_type": "text", "post_content": "Any recommendations for a good, free budgeting tool and any tips for paying off credit card debt? Mint isn't doing it for me and I have some debt I need to wipe out", "post_id": "5862c0d464908b0016430418", "reply_count": 9, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Any recommendations for a good, free budgeting tool and any tips for paying off credit card debt? Mint isn't doing it for me and I have some debt I need to wipe out

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Create your own excel spreadsheet. They actual had some pretty decent templates if you don't want to make it from scratch.

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I love everydollar. The zero-based budget just makes the most sense to me

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@D1, I just don't love the UI and how it categorizes different purchase areas. It's a good tool, but want to see if I can find something better

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Lending club loan.

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Keep it simple. Pencil and paper. If you get fancy or technical, you'll lose context or give up. Start with a plan. Here's a good one: https://www.daveramsey.com/baby-steps. Many people balk at step two because it doesn't make mathematical sense (pay smallest balance first, instead of highest interest rate). The problem most people have with debt isn't mathematical (except for the disconnect between inflow and outflow). It's psychological.

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Check out Reddit r/personalfinance some people recommend YNAB (you need a budget), there's also a couple good spreadsheet templates you can use.

What was the problem with Mint? I'm about to start using it so just curious.

Buy less stuff. You dont need it.

Thanks, everyone!

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