As you stated, you should sit down and write out your budget. Then you should get a huge carving knife and cut it to the bone. Sell the 36000 car even if you have to borrow from the bank.
Stop saving money and change the W-4 to free up that money and put every penny towards the debts. Get rid of the cable and everything else you think you have to have but do not.
Once you commit yourself 100% to getting out of debt, you will see results and then you will thrive on it. You are going to have to make some hard choses and sacrifices, but the results will be well worth it.
Read the Total Money Makeover by Dave Ramsey, it's just the motivation you need.
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