Debt Tracker App Recommendations?

Naomim

Hi All,

I have number of debts spread across a few credit cards. Some are at 0% some aren't. Whilst I have it all listed in a spreadsheet,  I don't always  have access to it. 

One of my favourite pastimes since my lbm is staring at my Monzo pots. With that in mind, is there a free app where I can keep an eye on my debts in one place in my phone?

Thanks

Naomim 

middleclassbutpoor

Not an app as such but I have all mine on a spreadsheet in Apple Numbers (like excel) and i have the file saved in my cloud drive so I can access from my phone if I ever need it. 

Im sure you could do something similar with google docs, or office 365 if there are no other suggestions. 

monetxchange

I use an app called Accounts by Graham Haley. Pretty basic, but you can set up all your accounts and credit cards and their transactions and keep an eye on where they'll be in the future.  Annoyingly there isn't an android version! 

sunflowerlady

Naomim said:

Hi All,

I have number of debts spread across a few credit cards. Some are at 0% some aren't. Whilst I have it all listed in a spreadsheet,  I don't always  have access to it. 

One of my favourite pastimes since my lbm is staring at my Monzo pots. With that in mind, is there a free app where I can keep an eye on my debts in one place in my phone?

Thanks

Naomim 

Lol Naomim,
Staring at Monzo pots is one of my favourite things to do these days too.
Let me know if you find that app! I need visual encouragement!

AbundantBudget

In YNAB you can list all your debts, set up goals and watch your debts disappear, there you can watch your Monzo pots and all bank accounts as well. Try for a month for free but first look for a guy called Nick True on Youtube, he is the best at explaining how YNAB works in my opinion, much better than official YNAB videos. YNAB is counter-intuitive at first but once you understand the concept its an amazing tool. Another app I used called Debts Break but somehow it lost its appeal after a month or so. There is a free version and one off payment of £8 or £9 if you wish to set up their snowball calculator which can be found for free on internet.

Naomim

I did try YNAB a few years ago but because I was starting from a debt position,  I couldn't get my head round it.  I'll have to try again I think.

Thanks.

Naomim 

shiny76

I simply use Google Sheets to list all my savings and debts and then calculate a summary.  To the extent of predicting 2+years as my incomings, outgoings and debt increases were very predictable.  In Jan 2017 I predicted I'd be debt free by Jan 2020. Despite unforeseen additional debts, I covered those debts (slow stoozing) by June 2019

AbundantBudget

Naomim said:

I did try YNAB a few years ago but because I was starting from a debt position,  I couldn't get my head round it.  I'll have to try again I think.

Thanks.

Naomim 

There is a good video on YNAB very own Youtube channel, it called Budgeting While Broke. it explains exactly your (and mine at the time I started) situation

Naomim

AbundantBudget said:

Naomim said:

I did try YNAB a few years ago but because I was starting from a debt position,  I couldn't get my head round it.  I'll have to try again I think.

Thanks.

Naomim 

There is a good video on YNAB very own Youtube channel, it called Budgeting While Broke. it explains exactly your (and mine at the time I started) situation

Thank you, I'll definitely have a look.  I already have a spreadsheet of all monthly budgeted costs so I'm prepared in that way already.