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4 reasons why you should use digital apps for baby steps in 2021

As we have evolved, technology is starting to run the world and is being used every day for almost everything. One of the most popular usages of technology is apps. There are over a million different types of apps available that anyone can use on their phone, laptop, tablets, and TV. It is our future and it is not going anywhere, so why not take advantage of it. Such as using apps to help you complete Dave Ramsey’s 7 baby steps. With so many new apps out there, it can be a huge help to guide you through each baby step.

Get a Top Debt Payoff App

Using apps for baby steps may be the best solution for you, especially in baby step 2. For Dave Ramsey baby step 2, you have to pay all your debts off. This can be challenging for some people because you may not know where to start or what the best debt payoff app is for you. That’s where the Savvy Debt Payoff Planner app comes in handy.

What is so great about the Savvy app is that it comes with everything that you will need to complete baby step 2. The app has an automatic account and manual integration. It will also arrange the best solution for you on which account you should pay off more first. With its simple yet creative design, it is easy for anyone to use and has no ads on its free version. As well as has a zero-based budget so that way you don’t have to worry about having another budget and a debt payoff planner on the side. It is unique and can be a great help throughout the process of baby step 2.

Budgeting Spreadsheet App

Budgeting can be another problem that many find hard to create on their own but luckily that’s what apps are created for. One of the many methods people use for budgeting is using the google spreadsheet app to help them organize their budget.

Using google sheets as a budgeting spreadsheet can make things so much easier for you. It’s a great tool for you to use because it will help keep everything organized and on track with your budget. You are also able to customize it and it’s easier to make changes if must. You can even check your google spreadsheet by downloading the google spreadsheet app onto your phone. That way you can have access to it whenever and wherever you are. You can also share it with your household so they can also be in the loop of things when it comes to budgeting. The Google spreadsheet is really simple to use and if you already have an understanding of how spreadsheets work then you are set to go as you create your budget using the spreadsheet.

Take A Bankruptcy Calculator

Sometimes in life, you might have a financial step back. Which can cause you to fall behind such as not being able to pay off your debts and the amount of time it would take for you to pay if you can. Though, there are apps that can help you identify your situation like a bankruptcy calculator. Using a bankruptcy calculator app will help you get a better understanding of the type of situation you are in and what you should do about it. Trying out the bankruptcy calculator will help you identify all the options you can do. For instance, debt settlement, bankruptcy, and debt management. Also, it can tell you the pros and cons of each option to give you a better idea of what you might get yourself into and free analysis of your data. This can be helpful to use in certain situations for many people and it is nothing to be ashamed of if you are struggling with your baby steps.

Learn How To Rebuild Your Credit After Bankruptcy

If you did recently file for bankruptcy, an amazing app to help you get back on track for baby steps is using a credit rebuilding portal after bankruptcy! Trying out the chapter 7 bankruptcy app credit rebuilding portal can be the best solution for you. It will only take just a few minutes of your time to put in your information. What is amazing about this is that it can increase your credit score in about 6 months or less. It will also check and track the 5 commons after bankruptcy credit report errors. You will be able to have access to see new credit opportunities and can track your credit score, limit, and mix. Using the credit rebuilding portal app will help you track your progress and see you get closer to your goal.


There are so many apps that can be super helpful to you. Technology has grown and is still growing so much and is being used daily by millions of people. Using apps can be the next best thing for you and help you achieve your baby steps. It can make a major difference in your progress and it may be the best decision of your life.
by Ben Tejes
source: Ascend Finance