Pull in your belt, spend less, and reduce debt.
Sentiment: NEGATIVE
Get rid of debt now.
Don't take risk, and don't get into debt.
Stop spending money you don't have.
Stay on top of your finances. Don't leave that up to others.
Cut back your spending now.
Manage your spending by creating and sticking to a budget.
I give out similar advice all the time: Take a month to write down where your money is going. By the end, you'll have a road map that tells you where you can cut back.
To bring down your credit card balances, write down the benefits of reducing your debt. No more gnawing feeling that you're throwing money away, perhaps. More money flowing to other financial objectives. Then consult the list when you have doubts.
You cannot just keep borrowing more and more and keep spending more and more without eventually having a day of reckoning.
Pay your utilities, gas and other basic needs before paying on your debts.