In general, telling people to skip Starbucks in the morning is bad advice; it's not that you're not going to save substantial money. It's just that the spending is so small and the subjective rewards are so great that most people just can’t do it. However, Kay points out that doing this for the duration of paying off your credit card debt is much more attainable.
"If you sacrifice Starbucks for a month, you can save a couple hundred," she says. Another way to save money without too much pain is to stop eating out until the debt is paid off.
"If you make double batches of casseroles and freeze the second portion, you've got the convenience of eating out without the expense," says Kay. See also: waiting a couple months for new movies to come to your local Redbox and saving the expense on a night out.
Try and find your "Starbucks habit." Cut it out for a month or two and pay the savings forward to your credit card.