Pay Down Debt
If you have credit card debt, you may feel like it's going to take forever to pay it off. But you can get ahead by choosing one card -- ideally, the one with the highest interest rate -- and paying as much as you can on it every month. If you have other cards, pay the minimum balance on those until you've paid off the first card. Then, choose the next card and pay extra on it while you pay minimums on the others. If you pay only the minimums on all your cards, you'll be paying a lot more in interest than you may realize.