Addiction with donating money

It sounds like there's 2 issues to deal with.

1) The addiction and 2) the debt/financial aspect

For the addiction aspect would you find just stopping altogether for now too difficult to do without a specific plan? Perhaps reminding yourself that you're not actually using your money when you're donating now, as you're in debt, your using someone else's money to give to this people that you will eventually have to pay back. An accountability partner may help too - there are multiple subcommunities that will offer these or you can seek out a listener for this purpose, or find someone in your life who would be willing to help you out with this.

There are ways to be kind to others that are free - something as simple as a compliment can go a long way. Hold the door for someone - little things that do no harm to you.

For the debt 2 common methods that people will often use are the snowball method and the avalanche method. It's pretty easy to find details with a good search. Quick rundown - both involve paying the minimum payments on all debts, as not doing so will just create issues. Consolidation to lower interest amounts can be used too - although watch the details as some consolidation options have timeframes before the interest skyrockets. Make a budget and determine how much you can put towards paying off your debt. Once you factor in the minimum payments take all the extra in your debt repayment allotment and

- for the snowball put it towards your smallest credit card. Once that's paid off, the payments beyond the minimum go to the next smallest, etc. This can be good for motivation as your number of creditors get knocked down.

- for the avalanche method put it towards the debt with the highest interest rate. Once that's paid off, the payments beyond the minimum go to the next highest interest rate account, etc. This will work faster than the snowball method.

Of course, these methods only work if you're not spending more than you're making. Just because you have cut up a card shouldn't prevent you from doing more than a minimum payment on the credit card account unless they are set up vastly different from what I have - I don't need my cards to make a payment to the account. Going over your initial plan and then reviewing your statements monthly with your accountability partner may help.

Once the debt is paid off then if you feel you are able to handle it appropriately you can make donations with your own money. Budgeting for donations can help you from going into debt. Depending on how you feel your donations do the best work and what keeps your addiction managed you might consider doing planned donations only to charities, or doing donations to the broadcasts without going over your budget, or a combination of both where you plan out specificially what portion will be for charities and what for broadcasts. If you find that donating is just too difficult to do responsibly though, that's ok too.