If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.
We each focus on what we're going to buy, but that's an incorrect focus. Focus instead on why you want to spend the money on this or that. What feeling in you does it satisfy?
Focus on what you have.
