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After nearly two years of banging my head against a wall, searching Microsoft's "knowledge base," scouring the newsgroups, upgrading twice and seriously contemplating deleting all my credit card account information and starting over, I've finally solved an extremely annoying problem with Microsoft Money.

The issue: despite setting my total monthly debt payments at a healthy, serious-about-paying-off-my-debt figure every month, my debt reduction planner was scheduling the minimum payments, which according to its own projections would extend the payments out through the year 2013, and then pay off the cards in one ridiculous lump-sum of $5,000 or so at the end. Obviously, the planner should have allocated my full intended monthly payment amount among the credit cards to pay the total off in a few years. No matter what I tried, I couldn't get the stupid thing to work right, and just guessed the payments myself every month. This is not a good idea for English majors, by the way.

The solution: I deleted my Macy's account, which had been acting weird and showed a credit, though I had not updated activity with Money for months (it's an Enron-style off-budget account). Problem solved; it's allocating the monthly payment just fine now.

While I didn't actually work on the issue continuously, I did keep looking for a solution every few months for at least two years. Finally, I feel like I've accomplished something great, when I should have just switched home-banking applications. Microsoft should thank its lucky stars that I liked the automatic online banking features so much, or the company would be $20 poorer. And then where would it be?