Set realistic goals for your families six month plan. Look at the months to come and write down your financial plan. Projected money going out each month and projected money coming in. Decide if you can pay more than the minimum balances if so plan for that. The difference between paying the minimum and even adding $10 to that can make a world of difference.
Get all three credit score reports. Go through and make sure you have no discrepancies. If so take care of them now, write a letter to the company in question stating the issue. If you would like to settle state the amount you can pay, etc. Send with a delivery confirmation receipt. You can obtain your free credit score here.
Use a cash only rule. Now that you have a written financial plan and you have seen your debt on your credit score use the next six months to pay cash only. I consider the debit card a cash system. I can’t carry too much cash around, for fear of loosing it. Keep a register in your wallet with your starting funds from now until payday. Now this is only funds you are allowed to spend. Don’t include bills or savings. I do every two weeks $300. This is groceries, gas, fast food, etc. As I spend I deduct from my register. If I have any extra money it goes into our savings account. My husband keeps $100 for two weeks for his spending, since he doesn’t do any shopping. He does use a ton of gas and has to eat.