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I say this with care - make a budget of your cost of living / income / debt in a google sheet for the entire year (starting with this month). Look for ways to cut costs and bring your credit card balance down any way possible. I have done this for the last 8 years and now carry zero debt, have a healthy savings (which came in handy since I have been unemployed not by choice for almost a year), and feel more confident about my money (or lack there of which makes it easier to manage). Take control of your life before it starts controlling you.
I second this, and shop around for better car insurance rates, phone plans, internet, etc. I check about once a year just to see what offers are out there and I've saved a considerable amount of money.