track who owes me money
Keeping track of who owes you money sounds simple until time passes.
Details fade. Conversations get buried. Amounts become uncertain.
This often leads to hesitation, because you are not fully confident about the numbers anymore.
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Student loan deferment is not relief. It is interest accumulating on a balance that was already too large. The payment pauses. The debt does not.
credit utilization is just visible debt.
You know your APR on three credit cards. You do not know your net worth. Those two facts explain each other.
Minimum payments are a subscription to your own debt. The balance does not move. The APR does not care.
Carrying a balance on a 24 percent APR card while holding cash in a savings account paying 4 percent is a math problem, not a discipline problem.
Your 401k contribution looks responsible on paper. Your credit card APR is quietly erasing it.
Student loan minimum payments are not progress. They are a monthly fee for debt that barely shrinks.
Debt Tracker
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