👋 Hey friend,
If money has felt a little messy lately (no shame, same), today’s episode might be exactly what you need.
We just dropped 5 Best Budgeting Apps to Pay Off More Debt in 2026! and it’s packed with the tools that make budgeting easier, lighter, and way less overwhelming.
Because let’s be honest: budgeting isn’t magical. But the right app can make it feel doable instead of dreadful.
🎧 Go listen on YouTube, Spotify, or wherever you get your podcasts.
⭐ Our Favorite: Monarch
We reviewed five apps in the episode… but Monarch deserves its own spotlight.
Here’s why we love it:
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It gives you a full picture of your money without drowning you in charts 🧘♀️
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It’s the easiest app we’ve found for couples and shared money situations ❤️
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Goals are simple to set, track, and actually celebrate 🎯
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The interface feels calm, not chaotic (your nervous system will thank you) 🧂😌
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You can tweak categories, tags, and dashboards without breaking anything ⚙️
It’s the closest thing we’ve found to budgeting with training wheels, but you still feel like you’re steering.
And when you use code FRUGAL you’ll get 50% off your first year of Monarch! **
🔥 Why This Episode Matters Right Now
We’re about to wrap up the year.
Which means you’re either:
a) Preparing for a cleaner, calmer 2026 or
b) Still staring at a budget spreadsheet that hasn’t been opened since May 😅
Either way, the apps we break down in this episode can help you pay off more debt in the new year by:
✨ making your spending clearer
✨ reducing guesswork
✨ showing you progress faster
✨ helping you stay consistent
Consistency > perfection.
And good apps help with both.
🎧 Tune in to 5 Best Budgeting Apps to Pay Off More Debt in 2026!
🚦 Ready for Your Next Step?
If you’re listening to this episode because you want 2026 to be the year you actually change your money story, then you’ll love what’s happening inside:
90-Day Debt Freedom Fast Track
It’s our step-by-step program that helps you:
★ Build a realistic spending plan
★ Stop the emotional budgeting spiral
★Finally get traction on your debt
★ Feel less overwhelmed and more in control
90 days.
Big relief.
A clear path.
💛 Final Thought
The apps are awesome. Monarch is magic.
But you are the one who changes your money.
This week’s episode helps you start.
Fast Track helps you keep going.
And we’re rooting for you either way.
Jen + Jill
**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.