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Thats making the cash you have go further towards deleting your indebtedness. As soon as you have all your liabilities recorded and your interest rate cut as low as possible, add up the amount you need to repay everything in three years. You are in good health if the sum is less than your month's salary.
When this is not practicable, you will have to work with a credit bureau, a credit repayment programme or file for insolvency. You can use the pyramid selling technique if you have less outstanding liabilities than you earn. LISTEN all your liabilities in order from top to bottom. Charge the minimal amount for all of them.
When you have paid more than the required amount for each individual, stop doing this for everyone except the one with the smallest account balance. Pay at least on all others and sum the amount of the shortfall up to the amount you paid previously on the one with the smallest account number.
As soon as you have settled the liabilities, you will be saving the amount of funds you have used to disburse them instead of going out and purchasing more gear. Make a cushion so you can handle it in cashs in an emergeny instead of getting into trouble. Whilst you are busy making payments or working through the credit advice or comparison chart, restrict your shopping to the essentials; hire, meals, fuel, utility and so on.
Those easy ways of building your household and getting out of your debts will help you bring your finances back to the level of upright and tight. When you find that repaying your debts is the right way, do your research to help you determine which business to use.