Worried and frustrated...

It's already March.  Third month of the year and I had hoped to have already applied for a loan.  I'm really getting worried that this year will be another difficult one with trying to pay down the credit cards again.  Just when I feel like I'm ahead everything goes south.  Part of it is J.  He doesn't make enough money and he hates his job.  He hates it so much he calls in sick whenever he can.  Which now he can't anymore.  He got a notice the last time about his excessive absences.  Anyway, as a result of his crappy paychecks, he doesn't contribute anything to paying down the bills.  But he does add to them which is infuriating right now.  I paid down 400 and he just charged 300.  He better makes some changes soon because this isn't going to work if I can't see the cards go down.  We'll never pay them down and I know we make enough to do that.  Just getting frustrated and feeling anxiety about it.  This year can't go by without us doing anything.  I'm getting to the breaking point.  I have patience.  A lot of it but this is getting out of hand.  Sometimes I feel like I take a back seat to everything.  I'm going to apply either way by May.  I wanted the cards to be paid down but I need to move already no matter what.  For my own sake I need to try.