【實用財經app】Debtaculous|最夯免費app-綠色工廠好玩App

Debt Snowball and other easy tools to help eliminate debt, manager finances, and make better financial decisions. FREE for a limited time! Tell us what you think.*** Data shared across all your iOS devices ***Debtaculous (pronounced /det-tak-yoo-lus/) INTERNATIONAL REGION FORMATSupport for international currency using iOS International Region Format.FINANCIAL SUMMARYThis release adds "Current Gas Prices" to the Financial Summary and an improved look, in addition to a complete snapshot of your financial situation, including: debt progress indicator, budget surplus, debt snowball, and payments eliminated.BUDGETINGThe Budget tool in Debtaculous is easy and powerful. To get started, enter your total household monthly after-tax income (or "take-home" pay) and then select one of the Initialization Options.CCCS - Consumer Credit Counseling Service inspired valuesDR - Dave Ramsey inspired valuesZero - for starting overSelecting any of the initialization options will cause Debtaculous to automatically fill in all budget categories with the correct proportion of you income, as inspired by the Consumer Credit Counseling Service or Dave Ramsey. The "Surplus" amount at the bottom of the view indicates any remaining funds not accounted for the budget. This value will be used later for your initial Debt Snowball.DEBT SNOWBALLThe Debt Snowball feature is at the heart of the Debtaculous product. The Debt Snowball is a well established method for reducing debt and the Debtaculous implementation is the most powerful yet simple tools of its kind.Click the [+] title bar button to being adding debts. The Debt Snowball field is automaticllly populated with the surplus value from the Budget view. As each debt is paid off, the payment that was going to that debt then becomes part of the snowball further accelerating debt elimination.Debtaculous provides three Debt Snowball payoff methods:Balance - Pay off debts in order of the lowest balances firstPayment - Pay off debts in order of the lowest payment firstInterest - Pay off debts in order of the highest interest firstOne of the most powerful features of the Debtaculous Debt Snowball tool is the "Apply Pays" option. There are two ways to update debt balances. The first method is simply to manually edit each debt as you make payments, adjusting the balance manually. the second method is to use the "Apply Pays" feature to update all debt balances at once, typically once a month.LOAN CALCULATORSThis release adds an "Auto Loan Calculator"Leave it to Debtaculous to turn the boring and complicated task of calculating loan interest into something easy and fun to use. Slider controls are intuitive and easy to use, but do not always provide enough precision to select a precise value. Fortunately, you can always click on the value and edit it directly.AFFORDABILITYWhen searching for a home, it is important to be mindful of homes that are within your price range. Some financial products offer separate affordability, but with Debtaculous, the Mortgage Affordability feature is fully integrated.AMORTIZATIONOne of the best ways to fully understand simple interest loans is to by using an amortization schedule. Debtaculous provides a complete amortization based on the loan parameters at the time the "Amortization" link is clicked. The amortization is calculated instantly so you can go back and forth between the Loan Calculator and Amortization effortlessly until you are comfortable with your choices.The Mortgage Affordability, and Amortization features help users make better financial decisions. One example is that, as Dave Ramsey and others recommend, we should opt for shorter term mortgages like 15-year rather than 30-year loans. With the Debtaculous Loan Calculator, simply set the term and use the slides to quickly determine what you can afford.