I would highly recommend listening to Dave Ramsey online, on the radio, or check out some of his books at the library. He recommends a very sensible plan of managing your money. I became debt free a few years ago, after you do that, things do get easier. I promise. Get yourself and emergency fund started this way you can handle unexpected expenses.

When I started the program I was having more bills than a pay check. With some hard work, and some re-thinking my priorities I was able to get my financial life in control.

Good luck!