I am a fan of making multiple snowflake payments every month instead of saving up for one big payment. I do make one big payment a month that includes my total minimum payment plus an extra snowflake amount, but I frequently send in (via online banking) little bitty payments when I save money on something or get unexpected money or sell something. I frittered my way into debt, and I am going to fritter my way out. It is also a reason I love online banking so much – I can send a little payment once a day, once every two days, once a week…. whatever I want.
I love to buy little “extra” things at the grocery store. It is probably my biggest budget buster. So now, when I want to stray from the list of things we need, I say to myself “If I can afford $X.XX for this, I can afford to send an equal amount to our debt”. So if whatever it is is SO important to me I am willing to essentially pay out twice the cash in order to have it, I buy it (with cash) and then when I get home I send an equal amount of money to our credit card.
So once in a while I get a treat but my debt goes down a bit at the same time. I will beat down the credit card a penny at a time!