Categorize your spending and you'll begin to see where you could cut back. Transfer your credit card debt to a card that charges a lower interest rate . When checking for a new card, make sure that you'll get the lower rate you want for at least 6 months. Read the fine print in the application. If you have a good history of timely payments with your own credit card company, call and ask them to lower your interest rate and lower or waive some of the fees in return for your continued use of their card.
Many companies are willing to do so.
You can contact any of the banks listed for an application and transfer your balance. If you belong to a credit union you should check with them to take advantage of lower interest rates. Taking even a few simple steps can add up to hundreds of dollars in savings. Check with your electric or gas company to see what peak hours are. You'll save money by doing your laundry or dishwashing at non-peak times.