How do you pay down credit cards when you spend more than you make due to a pay cut, layoff, or inability to add another job?

We focus on stabilizing income and reducing spending in order to spend less than you make first! Next you would focus on using the intelligent snowball method from the course: 
1. Pay off the smallest balance first.
2. Apply that payment to the next smallest balance.
3. Continue until all debts are paid.