Ok, I will admit, I’m still learning this stuff, but at least I took a step.
What I basically did was make a reasonable budget for myself for the next six months, taking into account interest rates and other miscellaneous bills that I have. This also means I won’t be able to give out Christmas gifts this year to folks… sorry.
If I stick to my plan, I should be rid of at least one credit card within 10 months. Time to make this one count.