Thanks for the tips. I've heard about a couple of these methods as well - the snowball idea is what I was thinking for the cards I have now. Thankfully, they are not really high balances so it won't take me long to pay them off - I just need to remain disciplined enough to actually do it and not just pay the minimum payments on them. Karen, I do have a budget - that's what I use the excel spreadsheet for. I think the other thing I could start doing is tracking all my expenses in a separate table, because right now if I buy something I never even ask for a receipt and if I get one, I throw it in the bin and never think twice about it.

I talked to my mom tonight as well and brainstormed a few ideas. I am even considering asking her to be in charge of my money until I get things back on track and create some new habits. I told her that I felt stupid for being 30 years old and needing my mom to manage my money, but she told me she was proud of me for wanting to do something to take control now rather than let it get out of hand. She said that age had nothing to do with it as long as I'm wanting to do it for me and feel ready, so that was helpful.

Keep the suggestions coming - I'm sure I will be able to use them all somehow