Secured credit cards, a review of the facts
Your next step is to analyze your finances and figure out what you can live without in order to free up some funds. The easiest way to do this is to cut your discretionary spending. Start taking your lunch to work, making your own coffee and get rid of unnecessary entertainment expenses. Take the money you save on those discretionary items and put it toward the balances on your credit cards. You may need to temporarily take on additional income opportunities, if you find that you have no discretionary expenses to reduce.