The first thing I did was build up an emergency fund. Just makes me feel a little more secure. I decided on an EF of $2,000 but everyone is different.
Since it’s just me and I don’t make much I decided to make my EF one month’s salary, but that’s just me. Not that you asked my opinion, but I would consider putting all extra money into the EF (paying only minimums on your cards) until you have built up to an amt you feel comfy with ($500, $1,000?) and then start putting all extra on the cards. Although paying them off is important, I think having the peace of mind that there is a little there incase something goes wrong with your toilets again is impt too!