My credit card debt is out of control. I don't want to cut up my cards (the ones that haven't started declining) but am worried if i don't I'll keep spending. I have really bad spending habits and have started living off my credit card for every day expenses until my next pay check comes in.. Problem is that my next pay check isn't going to cover the monthly minimum payments. I think I'm going to have to get a loan just to manage.

Do you think i should cut up my cards or does anyone have any other suggestions for me?