Went to the store today and bought a plastic organizer to put on my bills in one spot instead of all over the place, plan on making my lists tomorrow!

Hello Honeypooh, I came across your goal to pay off three of your credit cards.  It's great that you've already taken some significant steps toward becoming debt free.  Organizing your bills and coming up with a plan to reach your goal is fantastic so far.  Becoming debt free was such an incredible experience, but one of the most challenging things I've ever done.  Here's a link to the method that helped me.  I hope you're able to find some helpful strategies and that you'll let us know how it's coming along for you.  http://www.daveramsey.com/article/get-out-of-debt-with-the-debt-snowball-plan/lifeandmoney_debt/