Credit card companies are sneaky. They want you to use them. However, if you are not a good steward of your money you may not need to use them. I am lucky that my credit is still good enough that I was able to get no interest card and transfer my balance onto it. I am planning on paying that off and cutting up the card. I have had it with this problem.
Take time to check and see what your debt is and snow ball the bills. Pay off the smallest first and then keep going. It will take time but will be worth it. Also, look for a part time job that will help you during this time. I am doing some extra things to try and help myself get out of debt. Good luck hunting!
This week I have been going through my cards, paying off what I can transfiguring to a no interest card what I can't and cutting up my old credit cards. i am planning to pay off the rest of my cards in the coming months. What have you been doing to help you?
Since it is the beginning of the month, I wrote all my expenses down and then the cost and whether it had been paid. Until all my bills were paid I did not pay myself. I did not eat out or buy any wants. It has helped a lot. Now that I am done paying as I buy something I am writing it down too. It is amazing some of the stuff that I have put back because I do not want to write it down.
What I have found that helps me the most is writing down what I buy and how much it costs. It gives me another sense of accountability. There are no surprises at the end of the month. I do not like being in the red at the end of the month. Does this help you?