In our search, we came across one tool that we thought was too good to lump together with anything else. It's a credit card calculator that is meant to demystify how credit-card debt works. You just plug in your card specs (APR, minimum monthly payment percentage, etc.) and your balance and payments and it spits out what you owe each month until the balance is zero. You can view either a fixed payment plan or a minimum payment plan - and see when you can finally wipe your hands of that nagging debt.
Check the calculator out here and send us your own tips and the websites you visit to help with your money using the form below.