This site is based on accounts with monthly payments, but there is a way to workaround the problem. First, change the due date of the account to the end of the month. Record your payments as you normally would, but you'll have to override the payment amount. When you make payments, keep an eye on th...read more
The debt account tiles on the classic version of the Dashboard page have a button labeled "Quick Pay". This is just a fast way to record a payment versus going into the Debt Details page and doing a manual transaction. When doing a Quick Pay transaction, the payment amount and payment date are what ...read more
You'll see the term "billing month" on the debt details page. It refers to the month in which the payment is due. It's possible that a payment is made at the end of the month, but the account's due date is in the following month. For example, if you have a debt that's due on June 6, the billing mont...read more
Sure. What you would need to do is go to the Additional Payments (debt snowflake) page and create a snowflake with the negative amount for the month you need to skip. For example, if your current snowball amount is $250 but you know you won't be able to pay anything extra next month; create a snowfl...read more
You can record a payment transaction that is future dated. Go to the Debt Details page for the debt account create a manual transaction. Set both the transaction date and the billing month to the month you want the payment to be posted. When the future month arrives, the payment will show up on the ...read more
The amount shown in blue text on the Debt Snowball Table page is the amount that has been paid on the debt in the current billing month. In the example below, the $459 payment on the auto loan is the full amount that was scheduled to paid, therefore there is nothing more that needs to be paid on tha...read more
The scheduled amount shown is just the recommended amount to stay on schedule. Of course you want to be paying at least the minimum, but there are times when you need to pay below the amount. If you need to make a lower payment, just record the payment like normal. If the amount is above the minimu...read more
This is by design. The loan will show up on the snowball table for the remainder of the month. Once the next month comes around, the account will fall off of the list. This keeps the payoff plan accurate for the current month. Use the "next month" button on the snowball table to see what the plan lo...read more
You can create as many partial monthly payments as you want. The payment amount Undebt.it suggests is a plan, not a rule. Log what you actually paid and the site works from there. Logging a partial payment Open the Dashboard (or the Debt Details page for the account). In the payment manager, th...read more
The dashboard shows everything. Plan.it shows what matters this week. Both read the same plan, so nothing is duplicated; Plan.it is a view, not a second system. I designed Plan.it to give you a simple way to view and manage all of your debts and bills in single place. There are two components to the...read more
Nothing you record is permanent. A payment logged twice, typed with the wrong amount, or added by an accidental tap on Quick Pay can be removed in a few seconds, and the plan repairs itself. Deleting it Open the debt from your Account List to reach its Debt Details page. Open the Transactions t...read more
A mortgage payment is really two payments in one envelope. Part of it pays the loan; part of it goes into an escrow account that your servicer uses for property taxes and insurance. Undebt.it keeps them apart, because treating escrow as a loan payment would show your mortgage paying off years early....read more
Changing a due date on one account A due date belongs to the debt account. Open the account from your Account List and change the due date on its Debt Details page. The calendar, the reminders and the order of the month's payments all follow it immediately. A few things worth knowing: The due d...read more
Leases come up often enough to deserve an answer, and the honest one is that Undebt.it has no lease account type. A lease behaves differently from a loan: there is no principal, no payoff, and paying extra does not end it sooner. Here are the two ways members handle it. Option 1: as a fixed term de...read more