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Most financial advisors (and book authors) tell you to pay off your credit card first - before you try saving or investing.
The first step is cut up your cards or put them in a ziplock bag of water and into the freezer. Create a budget and be honest with yourself on where you can cut back. Eating out, clothes, movies, and CDs are always things we can do without in the short term. Pay off your highest balance card, then knock out the others.
I don't have any advice about your vehicle, but if it's beyond your means pehaps you should consider something used and less expensive, assuming you're not "upside down" on your outstanding loan balance.
Then, take the money you were paying for the credit cards and put that away. Start with an ING Savings Account which yields around 2%. When you're comfortable and your financial outlook changes, start looking at other investments.
Oh, when you've cut up your credit cards just pay cash or use a check.
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How you do anything is how you do everything.
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