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Here’s what Pay-off has to say: Payoff.com – Fun with finances. You start on Payoff by sharing your dreams and setting up goals that motivate you (like paying off a credit card or saving for a trip). Then link your accounts to track your finances and see where you’re spending. As you make progress you’ll earn badges and even win cash sur-prizes. To help you reach your goals faster we offer handpicked tools and blog posts along the way. It’s social, simple and fun!