Budulator handles all your bills, from credit cards, mortgages, utilities, and insurances, to baby-sitters and allowances. We change your address so your bills come to your Budulator mailbox. Then we debit your checking or savings account each pay-period and use the funds to manage your budget. We regularly analyze and fine tune your budget to avoid the pitfalls that could destabilize you, and each month we send your paid bill stubs and receipts to you along with and itemized statement of your account activity. 

The Four Phases of the Budulator Program

Phase 1 - Stabilization: During this phase we establish your budget and corresponding buffer, catch up your bills and bring your account to a point of equilibrium, where your income and expenditures are synchronized.

Phase 2 - Debt Elimination: During this phase we quickly eliminate your recurring debt using the Snowball Algorithm, which applies excess funds to specially targeted items in your budget.

Phase 3 - Buffer Establishment: During this phase we help you establish and maintain savings for larger emergencies. This gives you the foundation necessary for a successful savings/investment program.

Phase 4 - Investment Initiation: During this phase we help you structure savings/investments for long-term goals like college, retirement, etc.

No matter what your financial status, Budulator makes planning, executing, and tracking your finances a pleasant experience that will save you money and pay off in dividends for a lifetime.