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I used to have credit cards. I was spending a lot more than I should be.
The first step. I cut all my cards with scissors. then I slicked with debit cards.
if you are on fixed income, why don't you just use your bank account from now on?
If you must pay your bills with credit cards, that's fine but you should not buy clothes or any other stuff that you don't have to buy with cash only.
otherwise the credit card limit will just keep going up and you will end up paying high interests which means more debt.
Credit cards are very tempting. and they are very dangerous.
the best advice is to get rid of them.
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