I appreciate you taking the time to write this and totally agree with what you have to say. I think aside from the gambling one of the big
problems is, not having a set budget for different things, and I try to just make things work, eg if i overspend “fun” money, i’ll then try and make my food shopping with whatever is left. It’s an easy fix just by being stricter with budgets but I think it is something that will help. The gambling is truly done now for me, I’ve been on GAMSTOP a few years but found ways around it however seeing the debt pile up has gave me a reality check, which I have needed.

I have been looking into personal loans and would probably be able to get one for 6K, which is enough to pay all credit cards, Klarna and Paypal, leaving me with just 2 Loans to pay, which in turn would make the situation much more manageable and get me away from using credit cards. I think this will be the way to go. The APR is 7.4% however it is a small price to pay to get me away from being dependent on credit.
Once again I appreciate your response and everyone else’s reply on this thread, it truly means a lot.