Start an emergency fund that way you wont need to tap any credit lines if unexpected expenses pop up.
I agree! I followed Dave Ramsey and am now debt-free except for mortgage. The first thing I did was get that $1000 emergency fund put away, and a couple of weeks before I paid off my last credit card, I needed a $400 brake job for my car. Without that emergency fund, it would have gone on the credit card and would have been very discouraging. But I was able to pay the mechanic in cash. It felt so good. I immediately rebuilt my emergency fund, and am able to put everything extra into savings.
It'll take time, but you can do it, and the feeling of freedom is wonderful.