**As someone who is going/went through through a similar situation, I send empathy your way.

You’re putting it all out and facing a big scary stressful thing in your life, well done.

In addition to all the other tactics mentioned in the comments here, ie go through your bank statements and lay it all out. Sort it. Make a budget.

But also, really boil down how it happened, and what that stems from? Work stress? A combo of 100 different stressors? Untreated anxiety? Adhd? You have to get to the root cause. You gotta face the demon, otherwise you’re just going to repeat.

I heard that there’s non profit debt counseling, through this subreddit, actually. So I did a google search and found Incharge.org So I called them and laid it all out ( I have almost 20k in cc debt and I make 56k a year). They discussed my options and what would be the best fit. I needed up doing a consolidation. They negotiated with my credit card companies and I’m on a single monthly payment at a much lower apr. Its not a quick fix, it’s going to take me 5 years to crawl out, but at least it’s not keeping me up at night and I’m not racking up $275 a month in interest now. I also started therapy which I cannot recommend enough.

I totally understand, It isn’t fun, it’s embarrassing and it is SO stressful. It took time to get this deep in the hole, and it’s going to take time dig out. Be easy on yourself, you’re doing the best you can and you can turn this around. If I can, you can too.