 TITLE: Best Ways for Millennials to Pay Off Debt CONTENT: Track With Technology\n---------------------\nThere are a multitude of excellent personal finance apps that you can upload to your phone or tablet, and most are free. These tools can help you design a personalized cash flow plan, track daily spending, manage your checking and savings accounts, and keep you up to date with your debt deletion goals.\nSelect the app you want and enter your information. Soon you'll get notices if you're spending more than you usually do, you'll get pinged when bills are due, and you'll receive alerts if suspicious activity on your accounts is detected. Many also offer customized money and credit tips.\nIf you'd rather not use an app, you can still do pretty much everything with your phone. You're probably relying on this technology anyway. According to a Jumio and Javelin Strategy & Research study, 47 percent of millennials have adopted mobile banking. Still, it requires dedication. The study found that a common reason millennials abandon mobile banking is that the process takes too long and remembering all the passwords is a pain. Don't be deterred! Wake up in the morning, check your balances, then plan your financial day. The more you know, the more in control of your money you will be.\nLastly, make a point to use credit products in constructive ways. They should enhance your life, not cause you stress or cost too much money. The simple strategy is to spend with your credit cards, but pay on time and in full every month so you don't carry over balances. Take out loans only when necessary and when you're certain you can handle the payments. Be that millennial who bucks the big-debt trend and proves to past and future generations that you're no slacker. END