If you’re in debt and you have a smartphone, there are some good ways which you can consider in order to get rid of some of your debt or at least reduce it so that it’s easier to manage. Using your phone, you can create your very own debt management program that suits you and your needs. If you’re not sure how your smartphone can help with your debts, read on to find just a few of the reasons why it’s such a great idea.
1. There are loads of great apps
There are an abundance of fantastic apps to use if you’re in debt and you want to track, reduce and manage your debts. If you have an iPhone, go to the App Store and simply type in the word “debt”. You can then choose whether you want to download a free one or whether you want to pay for one that might be a bit better. Be careful, however, because just because you have a pay for them doesn’t mean that they’re better. The great thing is that most of the paid apps have free versions available for a limited time, so if you see one that you think would work well for you but you don’t want to pay for it just yet, you can try it at no cost. Because so many of the apps are free, you can try some of the ones that you think are the best for your needs and then decide which one to continue using. As long as you have the space on your phone, you can download as many as you like. Look at the customer reviews when you’re downloading them, since these are usually a great way of telling whether the app is worth downloading or not. If the app has four of five out of five stars and the description is just what you’re looking for, try it out and see if you like it.
2. Your calculator is a great tool
Thanks to smartphones, you no longer have to carry around a little pocket calculator or keep one at your desk in case you need to do some quick calculations. Use your smartphone to help you budget and add up different things you need to work out. Most of the apps that you can download will work out things for you too, so gone are the days when you have to do Mathematics as you sort out your finances! Find out where the calculator is on your phone and use it to your advantage. It might even have some handy little extras involved, so have a look around and see what you can find. You can also download more advanced calculator apps which will be able to do even more than you really need it to do! Most other phones have calculators too, so even if your phone isn’t a smartphone, you can still use the calculator to help you budget and sort out your debts.
3. Use your browser to do some research
If you don’t have internet access at home and a laptop, you can go to coffee shops, restaurants and libraries which all have free wifi and access the internet using your phone. If you’re not sure how to access the internet using wifi hotspots, you can always ask a member of staff or a family member who knows more about these things than you do. Once you’re on the internet, you can read lots of literature and articles about debts and how to manage and reduce them. You can even sign up to websites and forums where you can chat to other people who are in a similar situation to you.