My little blog concerning bad credit credit cards
Take the money you save on those discretionary items and put it toward the balances on your credit cards. You may need to temporarily take on additional income opportunities, if you find that you have no discretionary expenses to reduce. Once you clearly understand your finances, make reducing the debt on your credit cards your priority. Make more than the minimum payments on the monthly statements. Continually paying only the minimum payments means that most of what you pay is going toward interest paid to the bank.