A couple other changes that occurred this past month which contributed to my payoff date extension. 1) Both my wife and I needed new tires for our vehicles, so that put us back close to $2,000 in tires. I also don't plan for vehicle maintenance and I had to replace my spark plugs for $200 and also we needed oil changes so there was another $100. The program can be as detailed and budgeted as you'd like, having a budget for every category (i.e. groceries, fast food, dining, etc), or you can just set rounded figures and adjust the balances from there, which is what I do to shorten the time it takes to update the account. Like I mentioned in earlier posts, I don't have my account connected with my financial institutions so it doesn't capture all of my transactions, but that option is available.
So, even with an increase in expenses, with my income not fluctuating too much except for an unexpected bonus here or there, I'm still able to determine when my debts will be paid off and go back to my budget to see what I can do to improve my payoff. This program helps with debt elimination like no other program out there, and although it costs money to get started, the free programs out there, which I've taken advantage of, are not as robust and adaptive as the Worth Account.
There's something of value when it costs something, but when something is free, it makes me wonder if it's really of value or if there is an ulterior motive to offering free programs. I know it works because I've used it already to pay off many of my debts, and I like how adaptive the program is because it shows me how to eliminate debt, when my debt will be eliminated, and does it in the most mathematically, quickest way possible. The Worth Account is the best program in the market to become debt free in the shortest possible time.