Start saving for retirement. Every $100 you can put in to your retirement savings per month will come back to you at least 30-40 times over when you retire at 65 or may be even earlier.
a lot of the time this advice is given to people who are paying higher rates on debt, which also seems troubling.
Speaking of debt (to more directly answer OP's question), pay off your credit card, in full, every month. If you can't do that, you need to adjust your lifestyle downward until you can.