Stay in Debt or Use a DMP, whats right for me?
in Debt-free wannabe
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However, the first thing to do is to get all the latest statements and really go through them to see exactly where you are spending money. If you feel like its too overwhelming there are apps that can do this for you (as long as you are comfortable sharing your financial data with them) - Money Dashboard is the one I use but I'm sure there are others. I say this because until I sat down to do my SOA and analyse my spending I was in complete denial about how much I was spending on some things ... and it didn't help that I didn't have one dedicated account for spending either so the transactions were "hidden" from me by being spread over my bank account, credit cards, cash spends etc.
It is really worth the time and emotional energy into doing the SOA and spending analysis first so that you have all the information you need to make a fully informed decision about what to do next.