You know your situation. Let’s sort out the order. Your house, your debt, your job, your hours. Find out what to do first and what can wait.
No card. You make an account at the end, to keep your plan. About twenty minutes, start to finish. Your plan is free. There is nothing to pay.
You answer questions about your life. You get a plan back. Nothing to install.
Tell us what you want and what you have. We show you the way out that fits you best.
Your bills, your debt, your hours, your family, and where you want to be in a year. Your own words and your own numbers.
Three things to do, in order. What each one is worth, using your numbers. And what to skip for now. Your plan is yours to keep.
Check off each move when you finish. When all three are done, you get your next three. If something changes, say so and your plan is updated.
Marcus and Dee are examples. They answered the same questions and got different plans.
Marcus, 52. Two kids. Wants more time at home.
Start hereAdd up your monthly billsOne evening.
Where you are now
Your three moves, in order
Add up your monthly bills
One evening.Show the number to Jen
Next week.Ask your boss for a four-day week
March.What we left outA side business: you want time, not more work.Selling the house: you don’t need to.
Dee, 38. Rents. Two kids. Wants more money.
Start hereCancel the bills you don’t useThis week.
Where you are now
Your three moves, in order
Cancel the bills you don’t use
This week.Pay off the $900 card before the $2,200 one
By March. It costs you more.Ask for a raise, with your numbers on paper
April.What we left outA second job: no time for it, and childcare would cost more than you’d make.A loan to pay off your cards: it would cost you more than it saves.
You’ve been told to budget, work harder and wait. None of that tells you what to do this week.
Every number in your plan comes from what you told us. If we don’t know something, we say so and tell you who would know. We never guess.
Your plan tells you what not to do right now, and why. Most advice only adds to your list.
Each move tells you when you are ready for the next one. So you finish one before you start another.
Common situations, answered in plain words. Free to read. Nothing to fill in.
Yours is probably not on this list. That is fine. Your plan is built from your own answers, not picked from a list.
Answer the questions and get your plan: three moves in order, what each one is worth, and what to skip. Your plan is yours to keep. No card needed.
A step-by-step guide for the move you are on: what to do, in what order, what it should cost, and what to do if it does not go to plan. Free for now. We will ask you before that changes.
Both are general information about how these decisions work. Not financial, legal or tax advice, and not a substitute for someone who knows your full situation.
Answer the questions. Make an account to keep your plan. No card, and your answers stay yours. Then you will know what to do this week.
Show me which wayYour plan is free. There is nothing to pay.