To complicate the issue even further, the extras became so commonplace when you could afford them that now they feel like necessities. A Debt Management Counselor can help sort out true needs from wants. Stop it right now. Put the cards away before the problem escalates. Credit is not income.
Money is an emotional issue, so get some hard data together.
Track your daily spending by writing down every cent you spend for the next 30 days. If you're still overspending, then get a third party to review your budget. Give up what you have to and give thanks for the rest. I wish you the best. But our bills are still the same and include medical bills from one of our employees that was injured.