We know debt like Bo knows baseball. We know how to get into it
and as a result have developed a full suite of tools to help
get out of it.
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Live free
Life is too short for debt. You have more important things to worry about.
We'll help you get out from under creditors so you can focus on your life,
your future, your family, your world.
Where there is no vision the people perish
Debt is tough. You need a plan. We'll help you get the full picture of
where you're at financially. Then we'll map out options for eliminating
debt and building savings.
Change before you have to
We would be lying if we said getting out of debt is easy. It's hard af.
But, in most cases it's doable over time. There is no black magic here
just blood, sweat, and algorithms. Eff Debt is a toolkit to help you make
changes to your spending habits and show you where to apply your money
to get free from debt as rapidly as possible.
We had to change
In September of 2017 we took our first family beach trip. My son was
almost 15. It wasn't lack of desire that kept us from it all these years
but financial realities. We went for the weekend, nothing fancy but it
was fun. It became clear that as long as we remain in debt our children
won't get to enjoy these kinds of experiences. We decided to put all our
efforts towards getting out of debt, and so Eff Debt was born.
It's a journey
Getting out of debt takes time. Our tools work to find the shortest
possible path to debt freedom for your individual situation. My family is
still on that journey, but sticking to the plans from Eff Debt's tools we
stand to cut 20 years from our timeline of being totally debt free.
Getting better together
We built Eff Debt to give users full visibility of their finances. At a
glance you can see how much money you're losing to interest, where your
money is going, how much cash you really have each month and much more.
Beyond knowing where you're at Eff Debt helps you understand where
you're going. The planning tools simulate multiple scenarios for paying
down debts. With each plan you'll get a breakdown of how much money
you'll have freed up at the end of each year and a projected
"debt freedom" timeline. Showing exactly how long each strategy takes to
get you 100% debt free.