Am I the only one who has trouble keeping track of all of my debts? Graduated a year ago and I have student loans from 2 providers, an auto loan, and 2 credit cards. Is it just me or does anyone else wish that there were some centralized portal to see all of their loans, pay for all of them, see upcoming payments, see how much making certain payments will affect my payoff date, see how changing monthly payments will affect my total interest paid, etc.?
Anything that leaves or enters my bank account is entered into a Google Sheet and I know where to log into all my accounts to check balances. I track everything.
Sounds like you need to learn to keep a budget.
Have less debts
There is. It’s called mint, ynab, personal capital or any of the other aggregators out there
The simulation stuff is just excel
There are plenty like Mint and YNAB. If you set up bill pay through your bank, you’re golden.
I just created an excel workbook to track mine, with each sheet being a different debt. Then first sheet is an aggregate of the totals plus a grid I can mark off each month as I pay each one so I can instantly see what’s paid / not paid.
Plenty of templates you can download that will let you put in your principal, interest rate, etc. to create an amortization schedule so you can see how much in interest you’re paying each month, over time, etc. Change the amount of the monthly payment and it instantly calculates how that effects the loan (pay off date / total interest / etc)
You still have to go to your bank or other app to make the payment, but that’s no big deal.
That kind of app would be fun, but it will require a lot of backend engineering and coordination with financial institutions.
I also enjoy manually entering them into spreadsheets. And if you learn macros, I assume you can basically make all those functions you want, except you’ll have enter yourself the inputs.
I mean…there are centralized portals where you can see all of your debts or assets. Mint, YNAB, personal capital…to name a few.
At 43 I have 16 accounts.
I made an Excel spreadsheet of all my debts, highest to lowest, with interest rates, due dates, etc, and I check it like my emails and messages; daily.
I can keep track of payment dates and all that, because not every transaction comes with a paper receipt.
It’s a discipline I had to learn, but it’s helpful. I have a running list of what’s there and when it has to be dealt with.
Yeah you have too many debts. Pay off your credit cards and you won’t have to keep track of them. I personally have everything on auto pay and I just know how much will come out of my account every month and just make sure to always have more than that.
You can use Personal Capital to aggregate all your debts and accounts in one place
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