getting smarter about the way we use the money we do make.
now, back to credit cards.
if you have one and if you are using it to buy things you want, then they are most likely things that you don't need. you won't be remembered for the cool stripy t-shirt you wore to work that day, or those cute shoes that were really cute, but now you're paying the bank 19% interest on the $200 they cost you. that's just ridiculous.
if you have savings, transfer them over and close the card.
if not, you can actually do some research and transfer the balance to a zero-annual fee card with 6 months interest 