If you really want to pay down your credit card debt quickly, let’s face it, you’re going to have to make some sacrifices. As often in life, the things that create the greatest discomfort in the short run, can end up conferring the greatest benefits in the long run. And so it is with credit card debt. If you cut back on some of your largest recurring expenditures, you will free up money to pay down your debt much more quickly.

Credit card companies rake in more than $15 billion a year from fees alone, including late fees, over-the-limit fees, cash advance fees, and so on.

Imagine how nice it would be to have a financial advisor at your fingertips, a kind of personal Jeeves to keep track of expenditures, help make ends meet, and, particularly, rein in credit card spending.

While Quicken and MS Money have been around for a while, a new breed of personal finance websites are giving them a run for their—well, money.

There are some things in life that get better with age. Unfortunately, credit card debt is not one of them.