Would it be easier to limit your spending if you didn't use your credit card for all of these things? Of all those things you listed, I only use my credit card to pay for clothes (which I don't buy much of). All the other things you listed I pay by cash, check, debit card, or online payment from my bank account. Since I pay most everything from my bank account, I can't pay more than I have. It helps rein me in.

One problem with using a credit card for so much is you get socked with a huge bill once a month. If you pay as you go, from your bank account, then it is a bunch of smaller things spread out over time. And if you do get to the end of the month and have little left in your bank account, you can limit all but the essentials and put those few things on credit. Then you have a month to pay those off, but it is a much smaller bill.

Do you think that you are spending more each month than you take in? If so, you need to redo your budget, change some spending habits, or something. Otherwise, you will keep getting in the hole and have to pay the high interest rate on the credit card. If that's the case, I think talking to a credit counselor, as Vickie suggested, could indeed be very helpful.