Tools and Resources

This page is all about the trusted tools and resources that will help you in your quest for debt freedom. There are no shortcuts here. Just real, honest products that we’ve seen help those in their debt reduction efforts.

Lending Club Peer Lending
Lending Club is a peer-to-peer lending service where you can go to get a peer loan to help consolidate your high interest debt into a new, much lower rate loan. This trusted service has been around for several years now and is a great alternative to the banks and credit companies that will not have as good of rates, and who will just add to the costs of the loan. Try Lending Club by visiting or check out our full review of Lending Club.

Pay off debt fasterSavvyMoney is a one-of-a-kind debt reduction service. DebtGoal is the perfect companion to the do-it-yourself-er. DebtGoal realizes you have a goal to pay off your debts, but they know you might not have a specific plan. They help you understand your debt, develop a payoff plan, and they hold your hand while you are working through the steps of the plan, no matter how long it takes. DebtGoal is all online based so you can connect your debt accounts and see all of your debt in one place. It’s a pretty slick service that has benefited many who are on a path to debt freedom. Start today with your FREE trial – Get out of Debt with SavvyMoney. Be sure to check out our complete review of SavvyMoney.

Earn way more back with the PerkStreet card!PerkStreet Financial is a way for you to earn 2% cash back rewards without using a credit card. PerkStreet is an online-only checking account. Every time you use the debit card, PerkStreet pays you back. The great thing about this account is that you’ll never go into debt with it, you will never experience a late fee, or a negative mark on your credit report. If you’re on your way out of debt and committed to not using the credit cards, you should check out PerkStreet to ensure you still get to enjoy the cash back rewards you deserve. Visit for more information. Be sure to check out our complete review of PerkStreet. is a completely free service! is a great, free tool to help you manage your finances. With Mint you can see all of your financial accounts online at once, and you can use their goal feature to establish debt and savings goals for yourself. The goal feature will connect straight to your loan or credit card account, so no manual adjustments are needed. Just set up the goal, connect your debt account, and start watching your debt go down and your goals achieved. Mint is free and you can sign up in less than 5 minutes at Be sure to check out our complete review of

In addition to these resources, we also recommend a 0% balance transfer credit card, which, if used responsibly, can help you significantly reduce your interest rates, allowing you to pay off your debts even faster.

{ 10 comments… read them below or add one }

Chris October 7, 2010 at

I am debt free and love it. I own my house and car and have minimal living expenses. However, I am going to become a real estate investor and that will require using a home equity loan which means I am about to go back into debt!

It is difficult to get ahead it seems without taking debt. A home loan would be a good kind of debt but credit card debt would not.


Nicole Couloute July 10, 2011 at

I recently signed up for Perkstreet and I love it. I love the fact that I can get cash back without using a credit card. It’s brillant. I am waiting patiently for their savings account and mobile app.


Philip July 13, 2011 at

I’ve heard about those added resources as well, Nicole. That certainly makes them more attractive. I’m anxious to see what they offer with the savings account.


Bobby May 10, 2012 at

Hey Jeff,
I came recently came across your site and I follow DAD on Twitter. I like the style in which you present personal finance, I think finances can be less overbearing when they are broken down into a more simple fashion. I noticed that you write reviews for several tools regarding individuals battling debt. It would be a privilege to have you check out our tool (Planwise at and let us know what you think. In the mean time, I’ll see you on Twitter!



Hannah Fox October 5, 2012 at

Hi, my name is Hannah and I am contacting you from FXPN, the largest dedicated retail network for Forex Affiliates and IB’s powered by technology powerhouse Leverate.

I wanted to touch base with you to let you know about the offers on our network comprised of ten premium brokers and thousands of affiliates.

We currently pay up to $600 CPA and 50% Revenue Share (% of the spread)

Please register to and email me back to let me know so I can look out for your account and approve you.

My direct line is +44 208 816 8040 x510, my skype ID is support.fxpn

I look forward to hearing from you.


Craig Anderson February 13, 2013 at

Hey there,

I’ve really enjoyed the recent articles on your website, so I figured I’d shoot you a quick email about a potential content partnership.

We have a number of personal finance articles from our authors that I think would be of interested to your readers. Would you be interesting in posting one of our articles as a guest blog? Let me know, and I’ll send over an article right away!

We would also be interested in posting a guest blog from you on our website ( If this is of interest, send me over an article and a short author bio, and I’ll forward it to our publishing department.


Craig Anderson
Zantrio, LLC


Alan Helman June 17, 2014 at

My name is Alan and I work for an advertisement agency having high reputed clients across the globe.

Actually I wanted to have a paid review post on your blog/website since your blog theme is of my interest.

The article will be written by professional writers and surely will be based on your blog theme only.

We follow latest google updates to take care of our clients as well as the bloggers for a healthy relations.

If interested, can you please share your charges so that we can proceed further or if you have any query, please revert.

Looking for a positive response from your side

Alan Helman


eric September 9, 2016 at


Eric here. I’m Specialized dealing in blog posts, press releases and web content for my business clients. While doing a promotional campaign for one of my client related to finance/ loans, I find your blog add- (BTW, thanks for creating such a wonderful content on your blog. I’m really happy to found it. We have many quality requirements/filters for blogs from our clients before we offer anyone a guest post deal.After carefully going through your web property it fully meets our requirement so hope we can negotiate a deal publishing a guest post on your blog.

We have a team of professional content writers not something crappy or general writers who are native English speakers as well. They can bring a good piece of content according to your requirement. You either can give your choice of topic to write or we can bring something exclusive for you which will also contribute to targeted audience of your blog.

Hope to get a prompt and positive reply from you .

Best Regards



Andrew Burgess September 13, 2016 at

Hi there!

I found your blog after one of my friends shared it with me on Facebook and wanted to run a few things by you. I’m working on a tax/business project, and I think it’s something you could definitely relate to! Let me know if you have a moment to discuss.




message in a bottle November 10, 2020 at

Sign up and we’ll hold you updated with our latest vacation presents.


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