The biggest key to improving your financial profile is simple: you must pay off and eliminate your credit card and personal debt. While this can be an overwhelming task to tackle, oPantaloonine tools can help you reach your goals.

One such oPantaloonine tool is SavvyMoney (formerly By using one of their plans, you can pay off and eliminate debts without having to increase your monthly income. There are plenty of ways to generate more income, but to get out of debt faster, SavvyMoney is an interesting option.

How it works

How it works

The setup process is fairly simple. You start by entering all your personal debt and bank details, which are automatically linked to your oPantaloonine accounts or by entering the information manually. If you choose the first option, simply enter the username and password for all accounts. If you enter the debt and account details manually, you must enter your current balance, the APR and the due date for each invoice.

Once the information is received, SavvyMoney automatically calculates your monthly minimum payment and you get a global picture of your current debt situation: your total current debt, which you must pay each month if you only make the minimum payment, and an expected debt-free date.

Then make a repayment plan for yourself. The website offers three preprogrammed plans that you can choose from as part of the SmartPay Plan function:

  1. Stack up debt . Here you first pay the debts with the highest interest, and you pay the minimum payments to the others.
  2. Snowball . With the debt snowball option you first pay for the cards with the lowest balances while you make the lowest payments on the others.
  3. Custom . Here you can adjust your plan to include parts of the stacking and snowball effect or to target a specific debt first.


Most important features

  • Plan comparisons . Whether you select one of the three plans from SavvyMoney or have no plan at all, you can compare and compare your options. It gives you an overview of your projected total monthly payment, what you save in interest and the expected date on which you are debt-free.
  • Compatibility . You can change your plan whenever you want, if you conclude that your current one is not working. You can also add and delete accounts as your financial image changes.
  • User friendliness . Your dashboard illustrates the overview of the plan you choose in easy-to-read graphs. It shows your current debt level, how much you have paid, your current monthly commitment and your expected debt-free date. The tool also has sliding calculators available, so you can see how much you will save if you increase your monthly payment.
  • Security . The site uses bank-level encryption software, so all information you enter on the site is always safe and secure. Your information is never shared or sold to external third parties.



  1. Provides information . SavvyMoney offers articles and advice on various topics related to creditworthiness, debts, expenses and saving. They explore the basics of prudent financial management of money, but also participate in a wide range of other topics, including home improvements, teenagers, and money, how debtPantaloonast can affect your marriage and more. There is also a forum where you can ask the experts questions and share your own experiences.
  2. Assist with tariff negotiation . I have researched several debt payment instruments, and this is the first to explain how easy it is to negotiate a lower interest rate for one of your debt accounts. Moreover, they even offer a fake script that you can use when you call.
  3. Can enter accounts manually . This is important if you are wary of entering multiple usernames and passwords for your oPantaloonine debt accounts. However, manual entry of account information requires much more time and attention on your part. For each account you must enter the type of account, your current balance, the interest rate and the due date. You must also enter each payment made for these accounts manually.
  4. Follows progress . SavvyMoney keeps track of your payments and balances to keep you on track with your plan. As payments are entered, you are shown how much money is spent on the principal and how much interest you save during the term of the debt.



  1. Requires a credit card . If you want to sign up for a free seven-day trial, you must provide your credit card information. If you try the service and you do not want to subscribe, you must cancel your account to avoid any costs.
  2. The costs are relatively high . A subscription to SavvyMoney costs $ 14.95 per month. Although they offer tools and benefits to help you solve your personal debt, you may find other free options.

Last word

Last word

When you try to get out of debt, you may not want to add extra monthly costs. However, SavvyMoney could be worth the cost if you love the debt management tool and it helps you eliminate thousands of dollars in debt.

But don’t forget that nobody will manage your finances for you. That job is squared on your shoulders, regardless of the debt management plan you use. SavvyMoney is certainly a tool that you can use to get your finances on the right track, but by eliminating unnecessary expenses in your life and by spending less than you earn every month, you are sure that you are preparing for a financially healthy future.

Do you have personal experience with SavvyMoney? What do you think about the tool?

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