Simplify your finances with debt tracking tools

Simplify your finances – Are you collecting interest on small debts that you have simply forgotten to pay? You can save a lot of money just by avoiding interest fees and paying all of your bills on time, but this is much easier said than done. Many people struggle to keep up with their loans, debts, and bills even if they have the best intentions.

Everyone could benefit from some better budgeting and smarter financial decisions. With that in mind, here are some debt-tracking techniques that you can use to organize your financial obligations. With smart debt tracking and full visibility on how much you owe and when you need to make payments, you can eliminate some of the big money stresses in your life and regain some control over your bank account.

You’ve lost track of your debts

It’s easy to lose track of how much money you owe to your creditors and to remember when all the payments are due. Without meaning to, it’s quite easy to slip into a position where you’ve underestimated your bill payments and you need some help in meeting all of your financial obligations. In cases like this, you don’t have to look far for easy ways to borrow some cash before your next paycheque arrives.

Short-term financial assistance

Ontario payday loans are one way to source extra cash when things are stretched too thin for the moment. Reliable providers of short-term online loans make it easy to apply for a small payday loan at an amount that you’re comfortable with. When looking though online payday loan lenders for the one that’s right for you, choose to borrow from a provider with an approval process — you don’t want a direct loan lender that approves everyone.

These types of immediate, short-term loans can be a real help when trying to balance overwhelming payment obligations with a paycheque that doesn’t meet the mark. It can be a real comfort knowing where to go for that extra help, but don’t you want to be in a place where you’ve got a good handle on your personal finances?

Make a spreadsheet

Does the idea of keeping a spreadsheet to keep track of your loans seem too formal? Spreadsheets have their place in the office, but can they be helpful for personal money tracking, too. You don’t even have to start from scratch since most software like Excel, Google Sheets, or Apple Numbers come with loan calculating templates.

What’s great about tracking your loans in this way is the way that spreadsheets allow you to see every stage of the repayment process. This kind of visibility helps with fully understanding your repayment timeline, reducing the chances of confusion or forgetfulness down the line.

Digitize your bill reminders with the right app

A simple-to-use financial app can help you keep track of personal debts and send you the notifications you need to remember any overdue or outstanding payments. Depending on the app you choose, you can sync up your personal debt manager with your banking app for a fuller picture of your finances.

A good app can also help you share your debts with contacts in the case of shared debts, and can even help you remember small things like that time you paid for the office lunch or that shared taxi. With this kind of visibility, you don’t have to forget about any amount that you owe or that someone owes you, and you can be sure to stay on schedule for payments to avoid any hefty interest fees.

Facebook
Twitter
LinkedIn
Email


Fitness

The Fitness Equation: Balancing Strength, Endurance, and Flexibility

Strength, endurance, and flexibility must be combined to achieve ideal fitness. Many seek holistic health by trying new training methods, nutrition changes, and performance supplements. Focusing too much on one component might slow progress, so balance is essential. The fitness equation needs careful integration of these three elements to meet individual objectives and abilities. Performance-enhancing

painting kitchen cabinets

Expert Shares Tips for Painting Kitchen Cabinets

When it comes to refreshing the look of your kitchen, painting kitchen cabinets can make a world of difference. This relatively affordable DIY project can transform your space, making it look brighter, more modern, or even cozier—depending on your chosen colour palette. However, achieving a professional finish isn’t as simple as grabbing a brush and

clinical researcher

What is it like to spend a typical day in the life of a clinical researcher? 2025 Updated

Clinical researchers are often the unsung heroes behind medical breakthroughs, working tirelessly to ensure patient safety and the integrity of clinical trials. Their efforts have become even more crucial since the COVID-19 pandemic, which doubled the demand for clinical research. Every day, these professionals are at the forefront of life-changing studies, helping to develop treatments

holistic treatment

The Healing Benefits of Hijama Therapy

Hijama therapy, also known as cupping therapy, is an ancient healing practice that continues to gain recognition for its therapeutic benefits. At igood Health Centre, we offer this holistic treatment to help you achieve balance, detoxification, and overall well-being. What is Hijama Therapy? Hijama therapy involves the use of suction cups placed on the skin

Best Traveling Tips

Must-Try experiences when travelling from Montreal

Look, we know Montreal is the greatest city in Canada. Maybe it’s the best city in the world, I don’t know. But, although it sounds outrageous, we Montréalers have to leave this wonderful city occasionally. And d’you know what? It’s not always a bad thing. There are so many exciting things outside of Montreal and

Mtltimes Subscription

The latest on what’s moving Montreal and the world – delivered straight to your inbox