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Getting out of debt - financial management

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Most people these days seem to have the same problem with debt me included. One of my new years resolutions was to manage my finances better and reduce my debt.

Again I got confused with which software to use. In the end I settled using my Excel spreadsheets. I also discovered the wonders of discussion boards and blogs and started reading them (interesting stuff).

I found a post on fool.com http://boards.fool.co.uk/Message.asp?mid=9369696&sort=whole#9369876 about a free online personal finance manager. I also saw it being mentioned on quite a lot of personal finance blogs.

It's called GBI Home Finance Manager (http://www.globihome.com/products.php?page=products).

I registered for an account about 3 days ago (after all it's free) and must say I'm impressed. Cannot say how much it helped me to manage my finances yet, but I'm gonna give it a try (beats my Excel spreadsheets).

Seems safe (had a look at the security document) and functional. It has all the functions I need to manage my finances so I'm happy. Also like the email alerts and charts.

They have a nice credit card repayment graph and table telling you how much interest you pay on your card if you pay 5%, 10% etc of your outstanding balance.

It's free so I have nothing to loose.
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