My Method

I'll be writing all my spending down.  I used to do this, but then I stopped when I moved.  Since then I've wracked up more debt.  So its back to the drawing board.
I will also be taking myself down to one card, and putting my target card on ice (literally putting it in a bag of ice in the freezer).  I will also close my Newegg account once it's paid off.  CareCredit can stay open.