I am almost to the point where my only other bill besides utilities will be paying off my credit card. I had to use a lot of the credit on the card when we moved into our new house earlier in the year because it happened fast. For the next few months, I am going to take all of my online earnings and pay off the card as the money comes in. Lucky for me, I can make small payments frequently online with no charge. How have you managed to pay off your credit cards?