No. of Recommendations: 0
have about $2000 in my checking account now. (Didn't realize how much money I
was blowing until I started penny-pinching).

I have 2 cards with 1800, one with 1200, and another with 400.

My advice is to pay off the $400 and the $1200 cards, cut them up, and split what's left in your checking account for payments to the other 2 cards. Making 2 payments per month is a lot easier and there is a psychological hit in having cleared up 2 cards. If there is a significant difference (ie, 5 or 6% higher) in one of them, make that the one to pay off first. Definitely work with a non-profit credit counseling agency, if there is one in your area.

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