Been using Ditch: Pay Off Debt Faster for a couple months now. It’s basically an app that helps you pay off your loans faster without a ton of work. The idea is pretty simple – you connect your bank accounts and credit cards, and the app automatically sends extra payments to your debt based on your spending. Kinda like rounding up purchases and putting the spare change towards your loans, but automated.
There’s a bunch of cool features – you can set boost payments to really accelerate things, track all your debt in one place, and get personalized recommendations on which loans to focus on first. Honestly, it takes a bit of time to set up, but once it’s running it’s super hands-off. Just live your life and watch your debt slowly disappear.
Look, if you’re sick of manually budgeting and paying off debt, this app is worth checking out. It’s not perfect – the recommendations can be a little off sometimes – but overall it does a solid job of making debt suck a little less. Worth a shot if you want to get out of the red faster.
