Feeling the Pinch? Why More People Are Turning to Debt-trackers in a High Cost-of-Living Era

If you are feeling the pressure of high cost-of-living, you are not alone. Whether it’s the weekly grocery shop, rising rent, or those creeping energy bills, the cost of living is hitting harder than ever in 2025. For many, it’s not just about cutting back—it’s about staying above water. And while Buy Now Pay Later and credit options can offer short-term relief, they often make it easier to lose track of what’s really owed.

Debt can build quietly. One repayment here, a subscription there—it doesn’t feel like much until you suddenly feel stretched thin, unsure where your money went or how much you really owe. That sense of uncertainty can be overwhelming, especially when you’re already juggling everyday expenses. But there’s one small habit that can shift everything: tracking.

Tracking your debt doesn’t mean shaming yourself or obsessing over numbers. It’s about clarity & awareness. It’s about knowing what’s coming out, when it’s due, and how it all fits into your bigger financial picture. And it doesn’t need to be complicated. A simple, digital debt tracker—whether it’s a Notion template, a spreadsheet, or an app—can help you feel more in control in just a few minutes a week.

We’ve created digital tools that make it easy to get started. Whether you’re managing Buy Now Pay Later repayments or just trying to stay on top of what you owe across different accounts, or want reminders about when to cancel a subscription or check an account, our trackers are designed to help you see the full picture—clearly, calmly, and without judgment.

If you’re feeling the pinch this year, don’t lose confidence. Taking five minutes to track your debts might be the smartest financial move you make this month. To stay up-to-date with our digital debt-trackers & where you can find them, sign up to our newsletter at lonesharkdebttracking.com