@runner101 - I have had to do the same thing from time to time, and so far I have always eventually been able to pay down my credit card balances with good budgeting.
My suggestion for a balance transfer is look for special offers; they often offer a low or no interest rate for a certain amount of time. Then look at how much the company wants to charge to transfer the balance (they often charge a percentage of the entire balance).
If it still seems like a good deal then I would transfer especially if your credit card rate is over 10%. Those interest payments can add up quick.