Today is April 29, and today's giveaway is sponsored by Pay Off Debt App. [10] TEN lucky winners will receive a free copy of the Pay Off Debt Application for either the iPhone, iPod Touch, or iPad.
Pay Off Debt is a debt snowball app for the iPhone, iPod Touch, iPad and Android devices. The aim is to help you use a debt snowball to focus your debt reduction efforts. Some features of the app include the ability to organize your debt snowball in the order of your choice: from lowest balance to highest balance, highest interest rate to lowest interest rate, or in any custom order. You can use the Debts screen to view progress bars on each debt for motivation and encouragement. You’ll also see a progress bar showing your overall progress on the entire debt snowball.

The app also allows you to view the starting and current balance of each debt individually, plus the total starting debt and the total current balance information. You can even see the estimated time left to pay off each individual debt and much much more. This application is not only very easy to use, but it is motivating because you can see your progress and how quickly your debt will be paid off. To download the app or learn more about debt reduction checkout Pay Off Debt App.
How a Debt Snowball Works

A debt snowball is a way to systematically pay down debts. Using this method you pay minimum payments to all debts except one (usually the debt with the lowest balance.) You then pay the minimum payment plus as much additional money as possible to the selected debt. This process is repeated until all of the debts are paid off.
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