Don't carry credit cards when shopping.
Keep a log of everything purchased. Note when, where, how much and what the feelings were at the time.
Make a plan of action. Determine how and when each debt will be eliminated. Review the plan every month.
Involve other family members. Enlist them in getting a hold on spending and indebtedness.
Develop a budget. Work with it every month.
Learn to save for something really important. And learn how good it feels to bring it home ALREADY PAID FOR.
If, after you've reviewed your financial situation, mapped out a plan of action, investigated all the options that seem appropriate to you and you still find you're overwhelmed and unclear, consider Consumer Credit Counseling Services. It is a nonprofit organization offering free or minimum-cost counseling through 1,200 locations nationwide. If you feel that you can't do it alone, you may need the assistance of professionals who can guide you. But, don't hesitate to take that action..