Just from what you listed, you should have a good chunk of change at the end of each month, even after groceries and things you didn't list, but it's always amazing how money drains away.
Here's what I would do: tell yoursefl that you just got hit with a pretty brutal pay cut. Say $1000 less/ month after taxes. Suddenly, you have to live with $1000 less. How will you do that?
A lot of times, when people try to set up a budget, all they do is write down what they're spending now. That doesn't really get you anywhere. Go in the other direction. Write down $2600 and subtract $900, then $500, then $90, and so on, until you see exactly what you've got. Then you start with the painful decisions. I've got a daughter in college, too, and they are hungry beasts, but yours might need to pick up a couple of hours at the local pizza place. And so on and so forth. If you have a hard time being self-disciplined, label some envelopes with each budget category and put the cash in them that you've budgeted. When you run out, then you're done buying stuff in that category for the rest of the month.
Use this money to pay your cards down, down, down. There are lots of raging arguments about whether to pay down the smallest balance or the highest interest card first. I favor the smallest balance card, because you are not only penalized on your scores for your overall high utilization, but for the number of cards with high util. If you can quickly get 2 or 3 down below 10%, that will goose your scores. Obviously, you then take the money that you used to pay on those and make even higher payments on the bigger balances.
Don't let yourself feel deprived--this is very fixable! Let you daughter know what you're doing (not guilting her, just informing her.) My kids watched me go through this same process a year and a half ago, and I not only picked up some admiration points from them, but they also are now incredibly cautious with their own cards and finances (so I get some Mom points in addition!) good luck
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007