Ok, so in response to everyone's advice, I have canceled everything I could cancel. I have canceled the gym personal trainer membership, I have canceled going out to lunch every day, I have even canceled Napster and Netflix. My fixed expenses are at a very manageable level, giving me the extra cash flow to add more to my credit card payments.

I did not cut up the credit cards, but I did put them all in the safety deposit box at the bank and I did shred the numbers I had written down. So, they are not accessible for spending. I also took my debit card out of my wallet and I only carry cash and my monthly gas card that I pay cash for at the beginning of the month. So, I think all of the restrictions are in place to help me avoid the impuslive urge to spend.

The car is holding up well. I am taking it for the state inspection next week and I am praying it passes. If it passes, I am good to go! If not, well, I'll need to think about car options, but I am not going to think about that until I have to.

You know what the worse part of being in debt is? It's not the fact that due to past impulsive spending I am paying mega bucks in interest. It's not the fact that I have a limited cash flow because every extra dollar is going to pay off a credit card. It's not the fact that I have to say no to vacations, and new clothes and a new car all because I need to pay off the credit cards. It's the lose of freedom all of that creates. Stress related to money worries is the worse type of stress ever! It's terrible.
Like today, I was crusing along in my automobile, when the coolant light came on. I checked my little handy owners manual and what do you know? It means that the coolant temperature is too hot and if I don't take care of it, my car can possibly overheat. Isn't that just ducky? Now I get to think about how I am going to get it to the shop. How much is it going to cost? Is the car really worth putting any more money into it or should I just bite the bullet and a buy a new one?
Point of the matter, if I had stopped the insane impulsive spending before it got out of control, making a reasonable car payment would not be a problem. But, now, with the whole 10K in credit card debt to pay down, the thought of adding another fixed expense to my budget column is enough to send me to the bar for a lunch time margarita.
Ok. One day at a time, right? It took mea long time to rack up 10K in credit card debt.... it's not going to magically go away in a couple of months.