Step one is eliminating a reliance on credit cards for anything but emergencies. Step two is creating an emergency fund so that you don't have to pay interest when an unexpected expense arises. This year, I suggest resolving to live below your means so that you have money left over for a substantial emergency fund.
Create small goals for yourself so the overall idea doesn't seem overwhelming. For example, instead of setting a goal to save $3,000 in 2009, aim to save $500 by March and so on. You're more likely to achieve your goal when the end doesn't seem so far away.