Hi, I would really need your advice:

Income: RM6000
Hseloan: RM1152
Carloan: RM800
Personal loan: RM547
Credit card: RM1200/month (1year to go)
Personal use: RM1000

every end of month, I only manage to save RM1300 (max).. However, due to some reason I need to maximise my saving as much as possible within this year. I need that money on 2012. Thus, I wish to reduce clear off my credit card at soonest. Appreciate if there is any way to do it?

Just to ask although it sounds not smart, if I temporarily hold my Hse/Car payments for 1~2months, in order to divert the money to creditcard. is it advisable?

Please advise.