If you’re like me and you really don’t want to get professional help when it comes to debt, that’s fine and I don’t blame you!  It can get awfully expensive after a while and hey, I learned everything I talked about online.  If you have the passion to learn something, you’ll have no problem learning something.

When it comes to managing your debt, I’ve recommended books in the past as well as experts that you can use.  If you don’t think any of those are going to work out, did you know that there are debt management software packages out there that can help you?  There is and I’m going to show you what packages you should look at when it comes time to manage your debt on the computer.

You Need A Budget Pro – Personal Finance Software Program:  YNAB is one of the best rated pieces of budget software on the Internet today.  This simple yet effective piece of software is going to run you only $50 and it’s going to show you where you’re spending your money and how you can gain control of your spending.  Generate reports, schedule transactions and more all with this power CD.

The Debt Optimizer – Debt Reduction Software:  The Debt Optimizer is expensive but many people have told me that this is the only piece of software that they truly think is worth the money, this is why I’m telling you now not to base something solely on the price.  With the debt optimizer, it will show you how you can automatically reduce or eliminate your car loan and consumer debt as well as show you how you can keep your current lifestyle but take apart your debt as well.  They are so confident that you’ll like their software that they will give your money back if it’s not good enough!

Zilch Standard – Debt Reduction:  Zilch Standard is an older piece of software but it’s still an effective piece.  Since financials generally don’t change over the years, getting out of debt will always be the same.  This software will build a step-by-step plan on how to get yourself out of debt as well as create a personalized payment schedule on how you can pay each creditor each month.  It’s easy to use and can accept any combination.

When getting out of debt and you don’t want to use an expert and you want some help via some software, I would consider some of these pieces above.  They should be able to help you out.  Look at some of the links and read the descriptions and hopefully you can make a  decision.