<prompt> Human: or, to rephrase the question: What do you wish you had started doing sooner in your life?  <response>: Good question! I would have to say using the websites and vastly improved my understanding of budgeting and loan repayment.First off, unbury.me introduced me to the terms avalanche and snowball that I had never heard of before. I only have about 5,000 left to pay of my 22,000 school loans, but man I wish I found this website sooner. You enter in your various loan amounts and interest rates, and it generates how much you should pay towards each to get the lowest overall interest charge. I was doing it all wrong, sort of just equally paying off all the loans, instead of of focusing on the highest interest rates first. I always had an aversion to paying minimum payments on anything, but this website showed me that sometimes paying off some loans at minimum will drastically reduce overall interest incurred.Secondly, the website mint.com singlehandedly made me aware of how I was spending my money. No spreadsheet that I could ever meticulously manage could ever do what mint.com does. It consolidates information from all credit cards, all loans, all assets, and all property and gives you a snapshot of everything. Now I know exactly how much I spend on everything, exactly what my networth is, and a plethora of other information I could never manage to consolidate myself.another cool thing mint.com does is looks at trends in spending. You can compare how much you have spent month to month, or one year vs another year. I absolutely love that website and I check it once per day. 