[jively]

Stop using your credit cards for cable/phone/internet bills. In fact, don't use the credit cards for anything at all. Use a debit card.

Then, pay at least the amount of the interest & finance charge every month. Thus, your balance will never go up again. If you have excess money, pay down the principal on the highest interest rate cards first.

Definitely do not go on trips if you don't have the money to pay for them.

Good luck,

-Tom