Credit-Card-Crusher is a simple learning program which illustrates the real cost of carrying high-interest debt. Simply fill in your current credit card debt. Crusher will then analyze your debt and show you the real carrying cost — in terms that are concrete and meaningful.

Specifically, Crusher will show you just how much house, how much car and how much retirement you are forsaking for the privilege of enriching your bank. Fun, simple and pointed, Credit-Card-Crusher is meant as a motivational tool to help young consumers appreciate that carrying high-interest debt represents a significant opportunity cost.

A penny saved is NOT just a penny earned — it’s actually $64.30 in retirement return if invested early and compounded wisely. Credit decisions made early can make the difference between spending one’s golden years clipping grocery coupons or sipping Margaritas on a sun-kissed Caribbean beach.

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Advanced Time Reports Personal Edition is an easy to use time tracking and project management program that will help you increase your billable hours by better managing all your projects, clients and working hours.

Used by professionals and project-oriented businesses worldwide to perform essential functions such as timesheet reporting and project management.

Advanced Time Reports Personal Edition is upgradable to a multi-user version with advanced functionality, web access and reports, such as Service Level Agreements (SLAs), calendar, rounding rules, comparing professionals, departments, clients and projects to each other.

AceMoney helps you organize and manage your personal finances quickly and easily. AceMoney is available in English, Spanish, Russian, Italian, Dutch, French, Portuguese, Polish, Hungarian and Swedish, with more languages to come. It supports all the features required for home or even small-business accounting.

With AceMoney, you can manage multiple accounts of different types: checking, savings, credit cards, loans, debt accounts, etc. You can even create your own specialized account types, such as cash allowances for the kids!

AceMoney Lite is a software that allows you manage and organize your accounts.

Credit Repair Planner is a useful software that helps you to create an optimized repayment schedule which factors in credit improvement. The concept is simple: pay off the highest-interest cards first while bearing in mind that carrying in excess of 50% on any revolving credit line dings your credit score.

Credit Repair Planner will break this down into two repayment schedules – the first to get all cards down below 50% and the second to take them down the rest of the way.

Although Credit Repair Planner is useful for scheduling repayment, it is meant primarily as an educational tool — making the path to credit-repayment explicit, concrete and visual. A clear understanding of the debt-repayment path is a crucial part of lifelong debt management.

To use Credit Repair Planner, just download and run – the program is entirely self-contained and requires no installation (it can also be run directly from fixed media such as floppy or CD).