I got my RFZ invite code the other day and took the 10 minutes it required to get my credit cards in the system and play with its tools.

I found it to be SO much simpler than Mint, which I've just ignored for more than a year now.

With RFZ, I can quickly see that if I stopped using my cards and paid X per month for 3 years, I'm out of debt and am only paying about 15% more over what I owe. Thats not so bad when you consider the alternatives.

Now, I think I underestimated what I can afford to pay, so hopefully I look at my bank account one day and see there's a few extra thousand that I don't need to save and can immediately put that on a card. Feels like I'll be better off much sooner than 3 years.

Mint can do this, I know, but again — the simplicity of the experience of RFZ is top notch.