The scene unfolds: an impulse purchase looms as you draw your credit card from your purse/wallet. The cashier swipes your card and announces the cost - a little more than you've budgeted for, but you'll make it work...won't you? After all, it's the 18th of the month, more than half over, now. If you can just make it to the 31st, you'll be fine.

But days later, you're not so sure. You log on to your account and, sure enough, there's the charge, just as plain as day. You weren't expecting it to show up as quickly as it did. You zero in on the minimum payment: $0. But what about the charge? Surely that must mean you owe something, right?

And now comes the confusing part - pay it off before the end of the month, as you've been taught, or skip a month and wait until the billing cycle comes around again? When you've micromanaged your budget right down to the last cent, situations like this add anxiety to an already stressful situation.

Fortunately, this is an easy solve.

When you charge something while close to the end of a billing cycle, you'll often see it register on your credit card's statement at the same time as being told you owe nothing for the month. Debt Decimator calls this "The 30-Day Rule": it means you dodged a proverbial bullet and have 30 extra days before you have to make a payment on that card. This is important when paying off credit card debt, as you always want to focus the maximum amount of money towards your hot card.

Want even better news? Debt Decimator has support for the 30-Day Rule built-in. Whenever you update your cards and/or budget, if you enter in a card with a balance but specify that card's minimum payment as $0, Debt Decimator correctly ignores that bill for the month, then picks it back up in the months ahead. It may not seem like a big deal, but if you're aiming for the absolute fastest payoff possible, every last penny counts.