What are /r/debtfree's favorite Products & Services?

From 3.5 billion Reddit comments

https://play.google.com/store/apps/details?id=com.oxbowsoft.debtplanner

Not sure if this is available worldwide, but this is one that I've been told about by customers as I work in the debt sector. If you have any questions I'm happy to help

It's time to learn how to set some boundaries. Big time!

Why are they "taking over everything"? The fact that you let them stay in your place does not mean they get to take over the whole place, have access to your car, your money, or your time. Start working NOW on setting (and keeping!) boundaries with these people.

Because in a year ... they're going to act astonished when it's time for them to go. And you need to make it clear starting NOW that you set clear boundaries and you WILL evict them in a year if they do not leave.

Honestly, the two things that helped me the most were:

• YNAB: Read the articles and tutorials. Take the free webinars. Commit to it fully.

• Dave Ramsey: Don’t bother buying his books. Check them out at the library and read and re-read them. I’m not a fan of his politics but his methods work for a reason. Give them a shot.

Great! The hard part sticking to it, but that is so important. I definitely recommend the app called EveryDollar. It's free and it's really clean.

I'm a huge Dave Ramsey fan so I'd suggest following his plan. It's easy to follow and proven to work. You can check out his book - Total Money Makeover - at the library.

Each month you write out a budget, telling your money where to go. As part of your budgeting process take a real close look at your bills and decide what can be cut back or eliminated. Whatever is left goes toward the following steps...

Step 1: Build a starter emergency fund of $1,000
Step 2: Pay off all debts. Pay minimums on everything except the one with the smallest balance and throw everything you can at that one. Then when that's gone "snowball" that money toward the debt with the next smallest balance. And so on and so forth. You could also go from highest APR first to lowest. By attacking your debts one at a time you'll feel that sense of accomplishment vs. feeling like you're never getting anywhere.
Step 3: Increase your emergency fund from step 1 to 3-6 months of expenses.

There are actually 7 steps but the first few are the ones you need to focus on for now.

You may also need to look at generating more income. Also, look around your place and consider selling anything you can.