The Pay Off Debt App + Giveaway!

pay it off app andthenwesaved.com

This is a sponsored post but, as always, my opinions are my own. Thanks for supporting the companies that help make this site possible. – Anna

Awhile back I shared Jackie Beck’s story of how she and her husband got out of $147,000 in debt (!!! nuts, right?!). They were persistent and committed to the process of getting out of debt and, not surprisingly, it worked!

Jackie has created a great app that is appropriately called: Pay Off Debt . Pay Off Debt is an iPhone and iPad app that has helped tons (tens of thousands) of people pay off debt by using the snowball method.

Let me tell you, I really wish this app was around when I was going through my Spending Fast and Spending Diet (not that I had an iPhone then but still…) because it would’ve made it so nice to see the progress I was making and how far I had come. I also would’ve really enjoyed seeing how my pay off date was changing based on the aggressive payments I was making every month. I think that would have been so fun to see it getting closer and closer!

There’s even a feature with the app that let’s you email your snowball information to yourself. I would’ve printed out my progress reports every month, and taped them all over my house, so I could be simultaneously thrilled and horrified/motivated at how far I had come, and how far I had yet to go.

 

Here are some my favorite features that the app offers:

  • You can prioritize your debts in the way you prefer (lowest balance, highest interest, or you can select a custom order)
  • You can see your planned debt-free date, and then compare and contrast how long it’d take to pay off all debts if you weren’t using the snowball method.
  • You can view progress bars for motivation and encouragement!
  • It takes interest rates into account when calculating estimated time left.
  • It takes taxes and insurance (escrow) into account when adding a Mortgage/HELOC type debt.
  • It lets you change the additional amount you have available to put toward the first debt in your snowball at any time.
  • It lets you set payment reminders to appear when the app is running, if desired, and then once the due date has passed, the reminder will no longer appear.
  • You can select your currency: dollars, euros, pounds, yen or a custom currency.

 

Jackie also mentioned that she often gets asked why the app costs $2.99 instead of offering it for free. She said that the reason it isn’t free is because she doesn’t want to have ads on the app, and she didn’t want to have it set up to cost $10-$15/month for a subscription type of service in order to access all of the features. She said she would much rather just sell the app up-front for a few bucks, and get on to helping people get out of debt!

 

Jackie is giving away a copy of the iPhone/iPad Pay Off Debt app to 3 readers! To enter leave a comment below, saying how you would feel if you were debt-free!

 Be sure to fill in the appropriate email, name, etc., fields so we can contact you if you win. The giveaway will end on Friday, October 17th at 5:00pm MST. Good Luck!

a Rafflecopter giveaway

**Update 10/14/14 Apologies to Jackie. In the original post I mistakenly called the app by the wrong name. It has now been corrected.

58 comments

in Sponsored
Out of Sight? BUY MORE! (No don’t)

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We were cleaning out the kitchen cabinet, and realized that we have 2 or more of a lot of things that we don’t need 2 or more of.

I don’t see everything we own so I think we don’t have what we need so then we buy whatever it is again, and then we don’t realize what we’ve done until we go through things again!

We have:
– 3 containers of counter wipes
– 3 bottles of dish soap
– 2 bottles of hand soap
– 2 massive sponges
– 2 bottles of toilet bowl cleaner
– 2 bottles of multi-purpose non-toxic concentrate cleaner
– 2 containers of wood floor solution

Morale of the story: clean out the cabinets more often, keep similar items together so you can easily see what you have, look in your cabinets before you before you buy, remember what you own, keep in mind that you tend to forget what you have (talking to myself).

4 comments

in De-Clutter, Enough (Crap, Debt, Guilt), Things To Do
Flying with a Lap Baby – Is it Worth the Risk to Save Hundreds?

flying with a lap baby is it worth the risk to save hundreds of dollars? andthenwesaved.com

Y’all, you know me. I (obviously) like to save money. With the holidays coming up we’ve been throwing around ideas about what we should do. We’re planners, we’re Virgo’s, we’re Type A (well, Aaron is more than me;), and we also know that the earlier we buy our plane tickets the more money we can save. I’ve even heard that for each day you wait to buy it’s an average of $5 that’s added, per day, to the price of the ticket.

 Find Cheap Flights for Over 450 Airlines!Save up to $15 with Code CHEAPAIR15 

One of the ideas we have is to go visit my family in Lincoln, Nebraska. We’d probably fly because the tickets are so inexpensive, (relatively speaking), and the flight is a mere 1 hour long. If we drive then it’s close to 8 hours (or, it can be done in 7 hours if you only stop 2 times, and go 7 to 10 miles over the speed limit the whole time. Not that I would know.).

When thinking about flying with our little guy, Henry, (his 1st airplane trip) we definitely did not even consider the possibility of buying him his own seat because, I mean, duh. Babies under 2 can fly for free! So you better believe we were going to take full advantage of the chance to save some money!

 

What I didn’t realize though was that there may be risks to not getting him his own seat. I thought things like:

– “He’s so little it would be no problem to keep him on our laps. He might will be squirmy but it won’t be for long so it’ll be fine! Let’s save money when we can!”

– “That’s such a waste of money to be going and getting all spread out and luxurious on the plane! We’ll just be scrunched up for a little bit! It’ll be fine! Let’s save money when we can!”

– “Only people with money to spare (like lots of it) would ever buy their baby their own seat. I mean, come on. There’s money to be saved here so let’s save it! We’ll be fine! ”

 

I never thought about not going with “baby flies free” option because I never had a reason not to. You see, the other day I joined a Facebook group called Car Seats for the Littles. I was scrolling along thinking about how complicated this whole car seat thing is when it really shouldn’t be that hard, right? And then, this article pops up about changing the Federal Aviation Administration (FAA) regulations for kids under 2. My first thought was what it had always been: “Oh hell no! SAVE THE MONEY!”

But then, I read a this: Babies Have a Right to a Safe Seat with Proper Restraints – The Infant Seat Exception Should be Abandoned, and that completely changed everything.

Now, I feel like if we do fly anywhere before the baby’s 2 years old there’s no way I can justify not spending money on a seat for him after knowing what I know now. If, heaven forbid, anything were to happen I would never be able to forgive myself for not buying a seat just to save some money.

To me, it just isn’t worth the risk. I’ve got to say, there are some things that are far more important that money, and this is one of those things.

 

So, I have a hundred (6) questions for you: What do think about all this? Did you know about the risks associated with having a Lap Baby? Is it worth the extra couple hundred bucks?  Am I over-reacting? Why isn’t this something we hear about more? Why isn’t this a bigger deal to people? 

10 comments

in Family, Friends, & Relationships, Practical Solutions, Societal Pressures, Things To Do, Travel Cheap
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

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