yup, worked up to three jobs, struggled and have an much improved balance sheet. Got in deep, set a 5 year plan and finished it in 3.

I don't know you Eric. You may be speaking personally or in general. Here's what has come my way, the hard way.

Cleaning finances up is not an easy or overnight thing.

a. define your situation, accurately. Get down to parking meter fees. NO B.S.

b. careful planning, budgeting and adhering to them is the only way. List your monthly obligations and their due dates. Do not miss or pay late. Missing payments currently echoes into your entire financial situation. They will raise your rates even if you are late paying a completely different Co. Even your insurance rate reflects your credit score.

c. sell everything you can stand, even the car. The rates on CC debt just murders the secured loans. You are better off unloading high dollar items, paying the revolving debt off, then repurchasing. Don't let your ego skew reality.

d. look at your income. Maximize your skills in the workplace. Read 'The Pathfinder' and ensure you are both happy at work and getting paid appropriately.

e. it feels so good just to start catching up. Starting to get ahead is energizing. Your(one's) liberation will be the most fantastic feeling!!

It's been years for me since a CC balance has carried over to the next month. It's worth the sacrifice to break the cycle. Learn new habits. Life is beautiful not being under Citibank's thumb.