I agree about calling your credit card companies and asking if they will reduce your interest rate- it doesn't hurt to ask! I've contacted them before when they raised my rate (for no reason other than the economy) and they reduced it. I also agree that you should pay more towards the card with the higher interest rate, and more than the minimum payment.

I guess the other tips I have are to try not to eat out much as this can add a lot to your food bill (this is a hard one for me- I hate cooking and doing dishes!), and try not to spend more than what you allot yourself for certain budget areas. Another way to possibly save money on utilities is to try to save energy. Turn off the A/C when possible, or turn it up (so the house is a little warmer), etc. There aren't very many areas where it's possible to control what you spend- rent or mortgage, for example, so you could try focusing on changing things you can, like saving money on utilities or eating out.

Hope this helps a little. Lately I've been doing a lot of contract type work so I don't get paid until a certain time. I'm writing a report for a college right now that doesn't pay until the end of August- so we have to make due with my husband's salary and what we have in the bank till then.