In the No Credit Needed article, "How a Silly Little Experiment Helped Me Get Out Of Debt", you learn the basics of saving a few dollars a day to make a big difference in the debts you have. To get out of debt the quickest, you have to reduce the balances that rack up the interest on a daily basis. By paying down the highest interest rate balances as quickly as you can and making more than the minimum payments on the rest, you can accelerate the amount of time you are making payments by several years and save thousands of dollars.

For those that need motivation to get out of debt and keep from spending a few dollars a day on frivolous things like a soda or chips out of the vending machine, this can be a great article that can help you see how the little things can add up to big relief. Not only does it give you a real life experience, but it gives you the best plan for managing micro-payments to get you out of debt faster and lets you know how to work it into your debt payoff snowball plan. The debt snowball has several methods that work, but this one is easy.