In my own, haphazard , way, I am focusing on my pile o' debt by getting rid of the smallest bill, paying them off and then taking the money I would have spent on that bill, and applying it to the next smallest bill. It's a sound principle in theory.

I used to have a little shareware program called Debt Blaster to help me calculate what payments I needed to make, and how much. Somewhere along the way, after three different computers, I have lost the program. I don't want to download and purchase it again. That seems foolish. Then again, I bought Supertramp's Breakfast in America on 8-track, cassette and now CD, so who am I kidding?

Yesterday, I discovered a freeware debt calculator called Debtonator. After I downloaded it, and clicked install, it went away. Twenty minutes later the install process started. By the time it finished it was time to go to work, so I haven't had a chance to play with it yet. Once I do, I'll post a review.