financial independence

 Take all of your credit
card statements and write down the balances owed for each card and the
corresponding interest rates (Annual Percentage Rate). If you have Excel, use
it.  Once you have the list, prioritize
it by the highest interest rate credit card first and lowest rate last. 

Your goal is to pay off
the highest interest rate cards first even though a lower interest rate card
may carry more balance.  Remember, you
want to pay off your debt in the most efficient manner possible while saving on
paying interest in the long-term.