Become Debt-Free Faster With a Budgeting System That Actually Works
No bank connections. No complicated tools. Just a simple, intentional method that accelerates your debt payoff and puts you back in control.
Start Your BudgetTraditional Budgeting vs Divvy My Dollars
Feeling like you’ll be in debt forever—or like you make too much to be broke—is exhausting. Traditional budgeting often leaves you stuck, watching your money slip away without real progress.
Traditional Budgeting
- ✖ Automated apps make budgeting passive - you stop paying attention
- ✖ Hard to notice spending patterns
- ✖ Lacks real accountability
- ✖ No behavioral nudges to reduce impulses
- ✖ Bank connections raise security concerns
Why Divvy Works Better
- ✔ Manual tracking builds awareness of every dollar
- ✔ Encourages noticing spending patterns and cutting impulses
- ✔ Personalized payoff plan keeps you accountable
- ✔ Nudges and insights drive real behavior change
- ✔ Private community for motivation & accountability
- ✔ No bank connections required — total privacy
The Feature That Changes Everything
Your Personalized Debt Payoff Plan
Divvy shows you exactly:
- ✔ Which debt to pay first
- ✔ How much to pay & when
- ✔ How long it will take
- ✔ How to cut months - or years - off your payoff timeline
It's like having a financial coach prioritizing every dollar for maximum impact
How Divvy My Dollars Works
A Simple 3-Step System for Real Progress
Add Your Income & Debt
Build your financial picture in minutes and know exactly where every dollar is going
Track Your Spending Manually
This single habit is what accelerates your progress
Follow Your Debt Payoff Plan
Divvy shows exactly which loans to pay, in what order, and how much each month
Real Results: A Debt-Free Story
$110,000 Paid Off in Less Than 5 Years!
“I started out with over $96,000 in student loans, and the traditional payoff timeline would have taken me 15+ years. But by following Divvy’s method, I was debt-free in under 5 years! We shaved off a decade of payments and saved thousands in interest — it felt amazing to finally see real progress.”
That’s the power of using Divvy My Dollars's intentional tracking + strategic payoff method.
Who Divvy My Dollars Is For
High-Achievers Who Want Control, Not Chaos
Divvy My Dollars is perfect if you:
- ✔Want a budgeting method you’ll actually follow
- ✔Want to get debt-free as fast as possible
- ✔Don’t want to link bank accounts
- ✔Want clarity and structure
- ✔Want habits that improve your life — not just another dashboard
- ✔Value private, supportive financial community
If you’re serious about financial change, this is the system that gets you there.
What’s Inside Divvy My Dollars
Powerful Features That Drive Real Progress
- ✔Custom Debt Payoff Plan
- ✔Manual Spending Dashboard
- ✔Auto Roll-Forward Payments
- ✔100% Private — No Bank Connections
- ✔Behavior-Based Budgeting Method
- ✔Access to Private Member Community (Accountability + Support)
Get support, ask questions, share wins, and stay motivated with others on the same journey.
How Divvy My Dollars Stacks Up
A simple side-by-side look at what actually gets you debt-free faster.
Divvy My Dollars: Personalized plan with exact dates & amounts.
Other Tools: Only show balances or rough timelines.
DMD: Adjusts automatically as life changes.
Others: Requires manual updates.
DMD: Clear interest + timeline savings.
Others: Hard to find or not shown.
DMD: Gives you the next exact step.
Others: Leaves you guessing.
DMD: Private member community + support.
Others: Limited reminders, no support.
DMD: No bank connections required.
Others: Often require account access.
DMD: Guides next steps after debt.
Others: Stop at “debt paid.”
| Feature | Divvy My Dollars | Typical Debt Tools |
|---|---|---|
| Creates a step-by-step payoff plan | ✔ Personalized, exact dates & amounts | ✖ Only show balances/timelines |
| Optimizes for fastest payoff | ✔ Adjusts automatically | ✖ Requires manual updates |
| Shows interest & years saved | ✔ Clear savings | ✖ Often unclear or hidden |
| Tells you the exact order to pay debts | ✔ Proven payoff order | ✖ You have to figure it out |
| Accountability & support | ✔ Private community | ✖ No built-in support |
| Privacy | ✔ No bank connections | ✖ Usually require access |
| Debt → Wealth transition | ✔ Guided next steps | ✖ Stops at debt payoff |
Prefer Hands-On Help?
Let me set up your entire financial system for you
- ✔ You fill out a simple financial snapshot form
- ✔ I input your income, bills, debts, and spending into the system
- ✔ I build your customized payoff plan FOR you
- ✔ We meet live to walk through everything step-by-step
- ✔ You get clarity, accountability, and ongoing support
If you’ve ever thought, “I want this, but I don’t have the time or mental energy to figure it all out,” the Done-For-You setup solves that. I personally help you get your financial picture organized, break down your debt strategy, and ensure you know exactly how to use the system moving forward.