I believe that simple living is about reinventing yourself and making yourself happy. Being debt-free will help with your reinvention because controlling your spending will overflow into your life in many non-financial ways.
Personal responsibility plays a huge role in getting yourself back on track with your money. I cannot help you with that, except to say that it is up to you to make a decision to take control of your life and start to break that cycle of debt. You are the only one who can make that decision. You can read as much as you like about reducing debt but there comes a time when you have to stop reading and start doing it.
I can tell you that when you get your debt paid off it's the most liberating feeling you can imagine. I will encourage you to take control of your finances. I will help you in any way I can within the limitations of distance. I do hope you start working towards being debt-free, but the decision and the actions are yours alone.
I hope this post hasn't sounded too school marmish. It's my intention to help, not lecture and I hope this writing sounds as friendly as it is intended.
