You will soon know what has to be paid and what you have to give up.
That's what I do.
I was in deep debt, as a older-single parent.
I found if I did not have any credit cards, life was MUCH better :)
So only use cash for anything, and you can cut down for 6 months, not eating out.
Make your own lunch for work, and take your own water.
No coffee's and no stuff from the newsagent....No new shoes and clothes for 12 months.
No new make up, and buy less expensive gifts for people, for Christmas and Birthdays.
You will be totally amazed how much you can save, and pay off bills.
Everything that has already been said here. We were in a lot of debt just a few years ago and by living frugally and buying only what is needed, it has all been paid off and we have savings in the bank. One of the biggest things is resiting the urge to buy, people these days feel they need to "keep up with the Jones" and stores sell many appealing items that make you want to buy!
I still enter all my accounts and all my spending on MYOB, the accounting package.
I ran a business for 26 years and had to do it then, however somehow I cannot stop now. MY brother who is an accountant, now retired, does not even do it, and I tried once to stop, but I must be very habit orientated as eventually I had to do it.
So I keep track of everything on the computer and know exactly how much I spend on each thing, however dont look it up anymore as there is no point! Very occasionally I will check what I spend on my two dogs, get so horrified, that I wont do it again for a year.
I am very fortunate I have no debt whatsoever. Our home and investment property were paid off a long time ago so I can rest easy. I can, however, see how easy it is for people to get into debt as offers are thrown at you every day. I think it is quite immoral how banks behave in their methods of offering people credit.