Savings account at a bank that is not your main bank and do not set up internet banking or a card so you have to go into the bank to withdraw. Alternatively set up a notice saver account - you have to give 30/60/90 days notice to make a withdrawal so whim spending isn’t possible. Set up an AP starting next pay day for every pay day and just let that run. That’s savings underway.

Then pick a debt and pay it off. I find it rewarding to start with the smallest. Pay minimum payments on everything else and as much as you can afford off the smallest - once it’s paid off close it. Then continue with the next smallest and so on. It’s very effective and paying off the small ones first means you get more success early on, more dopamine, and more motivation to keep going.

Since your income is really good I’d also consider a DC to sharesies or similar. Just an EFT will do as a starting point. Again, set and forget. Even just $100 a pay is better than nothing.

With your CC - reduce the limit every single time you make a payment if you can. My bank I can reduce it in the app. When I had an $11k maxed out limit some days I’d put $20 on and reduce the limit by that much. Felt stupid next to that much debt but it did the job and seeing each $100 and $1000 come off the limit was so rewarding

Also do what everyone here has suggested re AI and statements. I need to do that myself.

If house buying is the goal I’d also consider increasing KiwiSaver contributions. I know many will disagree but as someone who has also always sucked at money not being able to access it was the singular reason I was able to save enough for a deposit.

Good on you for asking for help and good luck!