OK, I'm breaking a MyLot rule... for a good cause!

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I posted this a couple days ago in "making money", not realizing there was an interest for "get out of debt"! I found this really helpful, and yes I really am just copying and pasting it here. I am hoping to get some helpful responses, and hoping that the members in this section are as interested in getting out of debt as I am! So I apologize for all the duplicity in advance! Hey, I've recently become very active in trying to find proactive ways to deal with my debt. Personally, mine was accrued while in college. I keep waiting to get into that easy period, when paying off minimums isn't a huge challenge. I'm finding that time isn't coming! I found this incredibly helpful website: http://consumerist.com . There is one particularly helpful tip I found while snooping around here, and here is a link to it: http://www.vertex42.com/C... I downloaded this for myself, and it is SO COOL! It is a free spreadsheet (I think you have to buy it after sixty days, but if you find it works for you it is totally worth it). It helps you figure out the order to pay off your debt so that you pay the least interest. You can choose from two options: high interest first, or lowest balance first. What you do is decide a figure that you can spend on your debt, eg $300/month. Say your monthly minimum payments are $200/month, it shows you exactly where to apply that extra money and automatically calculates exactly WHEN you will be done paying off that debt! It's totally awesome, and I hope it helps some people. If you try this, respond and let me know what you think! If you have a similar tip for helping reduce debt, or at least feel proactive in facing debt, let me know!