You're in a financially unstable situation. If you're drowning in credit card debt, contact a debt management agency. Such institutions have been created for people in your situation. By consolidating your bills and reducing the interest rate, you'll be able to pay off the balance much faster than expected. Are you with a partner who is a spendthrift? It's important to keep your bank accounts separate. You don't want your good record to be tarnished by their bad decisions.