To be blunt about it, the analogies, hyperbole and ad hominem attacks are all getting boring. From Tracy’s blog here, and agent sites, I keep reading how one must enter their transactions, every penny spent every day, into the software. One agent considers it a ‘good’ thing that you can “text the software from your cell phone to see if today is the optimum day to buy the steak that’s on sale at the grocery store.” Yet, right now, I handle my money every other week, and when I choose to make an extra prepayment on my mortgage, it’s about a 15 second transaction. The endorsers you cite are either award sponsors, or trade journals, so what? And your clean the house analogy fails at so many levels I don’t know where to start. But let me spell it out for you, the people who clean our house get about 1/3 of my wife’s or my hourly wage. So we spend 1 hr of wage to save 3 hours of our time. You suggest that one spend about a full month’s wage to then waste a few hours of time per month and come up short on their mortgage. Last I went head to head with the MMA program, it came up months short even if it were free. The $3500 just put it further behind.

Take the challenge above.

Here’s the complicated algorithm to reduce debt at the most rapid rate, Ellick.

1. Cut expenses as much as possible.
2. Do you have any money left at the end of month/week/whatever?
If yes, pay the leftover money against highest cost debt.
If no, cut expenses further and/or increase income.
3. Rinse and repeat.

(please send me $3,500)

Mel said: “Anyone who slams this phenomenal software cannot think “outside the box””.

Mel, the math is very much inside the conventional box of any spreadsheet app or financial calculator. The box you are outside of is the “ethical box”.

E&Y didn’t endorse UFF.

UFF is not convenient. It wastes tons of time. And the company isn’t therefore anyone, except if it’s to collect that check. Otherwise your debts are your problem…. just use the software and shut up. Paying down your debt is simple, and this software doesn’t create discipline in anyone.

And here in Utah, when you throw a little faith-healing into the mix, why – you’ve got yourself another MLM to sell! Now, add some teary-eyed testimonials (as some of your respondents have done)well, you’re on your way to millions. If you try to use analysis and logic – watch out, they’ll turn on you (see posts above). What do the creeps at UFF do? Do they actually do any factual analysis? Heavens no! They just trudge out more weeping testimonials – the most common ploy in snake-oil MLMs.

Tracy – keep fighting the good fight! UFFers are nothing but scammers, trying to separate fools from their money.

Folks, keep the $3,500 and pay down your debt – you’ll be much better in the long run.

Idiots.

Anyone who slams this phenomenal software cannot think “outside the box”. The fact that this software has been proven effective many times over by people who use it in the way it is intended to be used is not enough for people who live inside the reality that others have defined for them.

Look up “paradigm shift” and you will understand how small your world is, and only because you do not care to think beyond what you have learned from other “educated” individuals.

Here’s a thought…could spending $3500 on a piece of software with far inferior budgeting tools than a $80 copy of Quicken or MS Money be part of the “discipline” problem?

You needed help sticking to a budget, but you didn’t buy budgeting software. You bought a broken mortgage accelerator.