WorthyJourney Life should be a worthy journey.

12May/090

Excellent cheap financial app helps improve my Journey

I know that title seems to scream this can't possibly be correct, a cheap financial app, and more importantly how can this possibly  help someones Journey?  In a "it's hard to focus on the right stuff when you have financial issues blinding you" sort of way.  So the app helps by not only giving you peace (information) as to how and when you could pay your bills, but how an when could you pay them off.  Dave Ramsey espouses all sorts of great information about how important getting your debt paid off is, his methods were always just a bit to extreme for me, I wasn't eager to get a second job.  But what he and several others say is true, having yourself in a position where you don't have a large debt with or without heavy interest allows you to live in a better place, mentally and spiritually.  It frees you up to use your gifts and resources to their maximum, imagine what a big impact on how you financially give so the Lord's work if you weren't paying on all those debts.

In short, this little app (Sorry Mac only, maybe someone knows of a similar PC app) allows you to put in your incomes, your debts and your expenses and then it goes to work showing you what would happen if you scrimped a bit here, or picked up a few hours there, or just stopped blowing whatever extra cash you have.  Seeing what $300 - $500 or more a month could do to paying off your debts in a report or graph is inspiring.  You'll need to do a bit of homework about your income, debts and expenses, but when your done you'll get a budget out of the deal;  and a clear picture of what goes where and when to help pay off your debts.  So I know your thinking what is it already, its called "Debtinator" and it works pretty well, especially for the $29.99 price tag.  Go to Bassetsoftware.com and check it out, the developer is also very responsive to emails if you stumble upon a bug, which lucky me I did, and he had it fixed literally that day.  Below is the attention grabbing image about what paying off things early can accomplish from his website.  (Used temporarily without permission, hopefully I can remove this tomorrow ;) )

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