If possible, consolidate your credit card debt. This means transferring the balance from your higher interest credit cards onto a single card with a lower interest rate. As an example, if you have about $200 on each of your credit cards that have interest rates between 11% and 22% and you transfer those balances onto your third card which carries a 5% interest rate, the money you save on interest payments to the other credit cards will help you to reduce the principal on all of your credit card debt. Of course, in order to make this really work, you need to destroy your high interest credit cards. Don't fool yourself into keeping them for an emergency. Eliminate the temptation so you won't dig yourself another hole.