My next goal is to wicked pay down my debt, and get rid of all my credit card debt asap. Have others done that/are doing that? What methods work for you? My plan is the following: cutting "fun" style expenses that I can't pay for in cash (ballroom dance lessons are, sadly, gone), paying more than my minimum payments each month, and taking any "windfall" money I get (tax returns, adjunct teaching money, etc.) and using it for the debt. What I am not cutting, which others might cut, is my skating, and that of my daughter. That, I pay for in cash, anyway, but that cash will still go toward skating, not toward credit cards.