I have been working to get debt free for the last 6 years or so ever sense I lost my job and it took 6 months to find another one. In 6 months time, my debt went to around $21,000. Every year I made some progress to paying off my debt but after I started using this app for the past 2 years or so, I can now say that I am debt free and have a little over $3400 in the bank. I would have gotten there by myself but not as fast. I still use Debtinator to plan out what to save in the bank and what I may spend to help maximize my money. Debtinator has helped me to become debt free and put extra money back in the bank. If you really wont an idea of what to do with your money, you should give Debtinator a chance.