Credit card debt can be stressful and difficult to manage. Thankfully, there are a number of different software programs to help you manage your credit card debt. These programs often can connect to your credit card accounts to give you the latest balances, transactions, payment information and other important information you need to manage the debt. Some of the software is free; other programs cost you money.
Quicken
Quicken is a personal money management software tool. It connects to all your credit card accounts and other accounts so you can see the most current information all on one screen. Quicken also allows you to stay organized with your bills and upcoming credit card payments by showing you when income is coming in and when your payments are due. You can use the software to create a frugal budget to help you live on the cheap and dedicate the money you save toward paying off your credit card debt faster. You can purchase the Quicken software or use the online version for free.
Mint
Mint is a free online software tool that also helps you manage your credit card debt. You can enter your credit and bank account information, and Mint will automatically connect to your accounts to keep them updated. The software lets you create financial goals, like paying off credit card debt by a certain date, then helps you create a budget to meet those goals. Mint also displays financial information in a number of easy to read charts and graphs, and alerts you when balances are low or when payments are coming up.
Simple Joe
Simple Joe makes a variety of different personal finance software programs. One of the software tools, Debt Eraser, is designed to help you create a plan to get our of credit card debt and other debt as fast as possible. The software helps you decide which credit card to pay off first and creates a detailed plan that advises you how much and when to pay each card to get out of debt faster based on interest rates, the amount owed and other personal financial details. The software costs about $20 as of March 2011.
ZilchWorks
ZilchWorks makes a software tool that focuses primarily on getting you out of credit card debt and other debt as quickly as possible. The software is easy to use; you simply fill in the requested information, such as credit card account balances and interest rates, and the software will automatically create a plan for the fastest way out of debt. The software costs around $40 as of March 2011.
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