Little things matter.

The Simple Dollar » The Least Important Bill:

"Then think about this fact. If you cancel a $20 monthly bill and instead apply that $20 to your credit card bill (that has a balance of $5,000, a 12% interest rate, and a $100 minimum payment), you’d turn 302 payments of $100 a pop into 55 payments of $120 a pop (I used the minimum payment calculator to get this number). Your credit card balance would disappear in about four and a half years instead of twenty five years..."