If you have more than one high-interest debt, and you're not sure what the most effect way to pay them off is, give the Credit Card Calculator a try. It's a web-based utility that will allow you to calculate the most effective way for you to go about paying off your credit card bills. The online version can handle up to 5 different bills, but they also offer a downloadable version for a small fee that can handle up to 100 bills. There's some peace of mind in knowing that you're approaching your debt reduction in the most efficient manner possible.