Lower Your Payments — Start with Our Budget Calculator
Below is our budget calculator so you can input your income and total up your expenses to see where you stand and how much money you have left over at the end of the month. Be honest with yourself so you know where you stand with your expenses.
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For the income, you select how often you get paid for frequency and then input what you bring home or make per paycheck after taxes, so you know what you are working with each month. The calculator will generate your monthly income automatically based on the frequency and paycheck amount you input.
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If you have multiple incomes, click Add Income to input additional income types and amounts.
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Let's get started!
When Your Budget is Tight: The Reality of Relying on Credit
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Life doesn’t always go as planned. When budgets are tight, it’s common to rely on credit cards to cover basic essentials like groceries, gas, or utility bills — especially when there’s no extra cash available. Unexpected expenses — such as medical bills, car repairs, or sudden home maintenance — can also stretch a budget to the breaking point.
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While credit cards can provide short-term relief, relying on them frequently can make your financial situation harder to manage. Interest charges and growing balances can add up quickly, creating a cycle that’s difficult to break. That’s why understanding your budget — knowing exactly where your money goes and what’s available — is so important.
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If you're saving minimal money per month, or feel like at the end of the month you have to rely on your credit cards to cover expenses, our debt is only going to go up from here. Take a look at our Utilization Rates article to verify that.
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When you have high interest credit card debt, we need to make a change to that. If not now, then when?
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Get Started Today and see how we can help you lower your payments and save you money!
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