When you use a debt service

By | October 1, 2016

Keep in mind too that when you use a debt service, though they help you pay your bills off, it will still reflect negatively on your credit as “not paying as originally agreed” type of a thing. I would just say work as hard as you can to pay them down on your own before using a debt couseling service. Not to mention the fees…

Have any of you tried the Mvelopes program to manage/monitor your spending habits? We’re managing our monthly payments, etc…but still in debt. I know there is extra money we have that isn’t going towards debt, but haven’t been able to get a handle on where exactly it IS going. Anyway, any thoughts on the program would be great. I signed up for the 30 day free trial.

You can track your spending through Quicken also. It has a pretty decent budgeting feature.