Well, what d'ya know. Paying down bills and not charging ANYTHING really does reduce one's debt! You might think I'd have figured this out earlier in my 60 years, but apparently it's one of those lessons one needs to keep repeating.
SO--I reduced my indebtedness by $1116.91 during May, have managed to pay every single bill that was due this month, and have not charged ANYTHING. (Yes, I said that twice, but I'm very proud of it. And yes, I know I still have a few days to go, but when the due date for a paycheck is on a Saturday, Sunday or Monday, my employer pays on the Friday before, so I figure I can remain a good girl for the next 2.5 days.)