After much though, I have come up with a plan to start paying off the credit cards. I have just finished transferring all credit card debt onto one credit card that carries a 5.99% APR for life. This beats the 12-18% that I would be paying if I left it where it was! I plan to play around with those infamous 0% offers in the future. Right now I am just trying to get started. I am happy with the 5.99% rate for now and my happiness is all that counts right now.

Thanks to my father I have always used a weekly budget so I already know how much I can afford to pay towards my credit card bills. (I will post about this budget in more detail at a later time.) I will just combine the amount that I was paying each month to all three cards and put that total towards the new card. I will also be adding the following extra money each month towards the credit card debt:

I used to round up my mortgage, car payment & student loans to the nearest $100. That equates to approx. $100 per month. Instead of paying this extra to the mortgage, I will pay it to the credit card company. This extra payment will significantly decrease the principal over the life of the debt. I am not real good with those calculations, but it can't hurt!
Believe it or not, I am very excited to do the bills this week! I cannot wait to get started. I can envision it in my head. I just hope it all works out in the end!