![\"Undebt.it+](\"http:\/\/undebt.it\/blog\/wp-content\/uploads\/2015\/03\/undebt.it_plus_features1.png\" "\\"Undebt.it+")
<\/a>Undebt.it+ features & pricing<\/p><\/div>\n
<\/p>\n
Coming Soon<\/h2>\n
You’ll notice that there is a “coming soon” feature that I’m still working on, bill management.<\/em>\u00a0I’m exited to get this going and I’ve been working on them for some time now. Bill management is for your non-debt, recurring monthly bills like utilities, internet, etc. It will keep the history of your payments so you can easily see your cost trends. There will also be optional bill reminders so you won’t be late making payments. The current yearly price of $10 is introductory pricing and will go up a little (but not too much) once these two features are released.<\/p>\n The biggest new feature of Undebt.it+ is the account consolidation\/restructure feature. It will allow you to simulate different payoff scenarios without affecting your current. For example, let’s say you have a car loan and a few credit cards you want to consolidate into a mortgage or HELOC. Choose the accounts that will be paid off on the left and enter the terms of the new loan on the right.<\/p>\n select accounts to payoff and enter new loan terms<\/p><\/div>\n Once you have the required info, press the “Preview Account Restructure” button to see how it will affect your payoff plan.<\/p>\n consolidation results<\/p><\/div>\n The results section will show you how much money you will save with the new plan and give you a new debt free date. If you want to keep the proposed changes, just click the “Commit Changes” button. This will automatically create the new account for you and mark the selected accounts as inactive. The history for these accounts will remain intact so you won’t lose anything.<\/p>\n show payoff options<\/p><\/div>\n You’ll also notice a “Show Payment Options” checkbox. What this does is let you see what will happen if you increase (or decrease) your monthly budget by x amount of dollars. You can set up to 5 payment options and you’ll get a payoff breakdown for each one.<\/p>\n budget adjustment results<\/p><\/div>\n You’ll be able to quickly see how much money you’ll save if you adjust your budget or how much longer it will take to be debt free if you lower it.<\/p>\n Track your progress over time with historical graphs and charts. Watching those bars shrink every month is great motivation to keep you going. Undebt.it takes a snapshot of your account at the beginning of each month to help you visualize what your debts look like. The account categories help you quickly see how your debt is distributed. The trend line graph shows you monthly total information – like how much your snowball was or how much interest you have paid each month.\u00a0Notice on the third graph (projected monthly stats) how additional payments (debt snowflakes) affect the payoff plan.<\/p>\n monthly totals for each account type<\/p><\/div>\n monthly totals history<\/p><\/div>\n projected monthly totals<\/p><\/div>\n There’s a new option on the debt details page that allows you to “autopay” the account so you don’t have to login to the site to record your payments. Since this is done at the account level, you can choose which accounts you want to autopay. A payment record is automatically created on the accounts’ due date. Also note in the screenshot below is the “Reminder Days” field. This is used for text message reminders mentioned in the next section of this article.<\/p>\n account autopay<\/p><\/div>\n There’s a new tab in the My Account<\/em> section called Undebt.it+ Membership<\/em>. You’ll be able to start the 30-day trial from here by just clicking on the button. Unlike many other web services, no credit card is required to start the trial. If you try it out and feel you don’t want to keep using it, just let it expire and there’s nothing else you need to do.<\/p>\n start the free, 30-day trial<\/p><\/div>\n You can check on your membership status on the same tab. The “Good Through” date is when you premium account is set to expire.<\/p>\nA Brief Tour<\/h2>\n
<\/a><\/a><\/a><\/a>Historical Information & Debt Distribution<\/h4>\n
<\/a><\/a><\/a>Account Autopay<\/h4>\n
<\/a>Membership Management<\/h4>\n
<\/a>