You can use a debit card for things like mail-order purchases. Find out how bad the problem is. Put all your bills in one place and add up how much you owe. Also, write down what interest rate you are paying on each account. Evaluate your spending.
Some people go through their checkbook to make a list of how much they spend and where.
But that may not be enough, especially if you make frequent trips to the ATMs. A better method is to keep a daily notebook, writing down everything you spend for two weeks or even a month. That should give you an idea of how much you spend on necessities and how much on feel-good items. This is the time to make sure the whole family is involved. Cut your spending.