You will not be able to address your debts properly unless you really do commit to clearing them. It is not going to be an easy process, and it is a little like going on a "money diet", only you hope to gain rather than lose pounds.

There will be plenty of temptations along the way, things you might want to buy that you think you cannot wait to get, but you will need to have a lot of will-power to deal with your debts effectively. So make sure you are ready for a long haul, it is a marathon, not a sprint but you can and will do it.