looking for the money tree

or at least the pot of gold at the end of the rainbow...
cause right now it is kind of nearing the end of the month & my bank account is hanging on by a wing and a prayer that my student loan payment coming out on 2/28 does not put me into the deep blood red of overdraftiness...
I vowed to be more fiscally responsible and trying to stop charging with the credit cards so that I may be free (financially) from the pits of hell and subjugation of the credit card companies each month--think of how much free money I would have in my paycheck? maybe not too too much seeing as how I am making minimum payments on most of them-- but someday I wish to own a home where I can roll around in a full or *gasp* queen bed of my choice. Have ample closet space for a variety of sensuous shoes and sensible ones to boot-but not too many cause waste not want not. I don't know what it will take for me to want that more than I want whatever it is I purchase on a monthly/weekly basis to fill the missing pieces of my current life BUT I have to figure it our before I am really in over my head.

********************EDIT*******************************
so i just visited suze orman's page for helpful hints to get on track and know where i am in the grand scheme of things and know what I have to do to make debt free a reality...
Well where did I think I was? I thought I was about $10,000 in credit-card debt
Where am I? I owe exactly $5,572 (check that out...)
What does that mean? well I owe LB $188.20 & kohls $136.26 (which both could be paid off by April cause they both carry a 23% interest rate! conveniently issued by the same bank)
Then I owe Visa $1473.12 which carries a 21.24% interest rate & then capital one ($2898.68/ 18% interest) & finally Chase (876.15/ 17% interest)...
What gets me (besides putting this out here) is that why am I carrying such HIGH interest rates? well because I ignored the 'warnings' . Yes there were signs, last year Obama signed into law this credit card reform where Banks had to disclose all the terms on each card and banks cannot erroneously raise fees for no reason. SO before this stuff went into law today banks on the sly were raising fees and beginning to charge higher fees & annual cardholder fees etc.
My bad, I didn't pay attention to that and all the disclosures in the mail that preceded today but
WATCH me now.. I will be debt free and still be able to LIVE.