re: Say you were to "give up" and go with debt consolidation?

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Debit BABY. Livin' the dream.

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Using a debit card in your situation is a bad idea. You've already proven that you can't handle credit cards responsibly.

What you need to do is to take out a certain amount of cash every paycheck and budget yourself. Ran out of money with two days to go? Eat what's in the fridge or pack a lunch. The budget should be strict. You'll be amazed at the extra money you'll have to pay down bills if you go this route.