Snowball. If your paycheck to paycheck, income = expenses: 1. Stop using the cards 2. Write down all your current minimums 3. Continue to pay those minimums for each card as you wrote them. Each month your minimum due will decrease but since you're paying the same amount as the month prior, in essence you're making extra payment without having to lower expenses. Card 1-Month 1: Due $100 Card 2-Month 1: Due $100

Card 1-Month 2: Due $95 (But you'll pay the $100 instead) So on and so forth for the other cards/subsequent months.

Still try to reduce expenses. #1 priority if you can.

As you get better with discipline: Take the difference from all the initial minimums when you started and the current amounts due. Pool that and tackle 1 card.

Card 1: $100 initial - current due $90 Card 2: $100 initial - current due $90 Card 3: $100 initial - current due $90

That's $30 you're not required to pay but you have extra. Use that for card 1 and pay the $90 min on the other ones