Grateful and Healthy but in trouble

I am your average citizen and I know there are millions of people who are far worse off than me. I have a roof over my head (rented), I have a job and two wonderful children who are grown up. I have not posted a picture of myself but instead it is a picture of one of my two dogs. I am grateful for what I do have. Some would think I live a very boring life as I rarely go out and don't have a large circle of friends. I am more than happy with it though, I have lots to keep me busy at home and love spending the time with my animals, they keep me sane. Unfortunately I have over indebted myself and I know I have no one else to blame except myself. I am just desperate to get out of the mess I have created for myself so that I can start putting away money for retirement which fast approaching. I am kind and caring and will always give when I have got to anyone in need. Every payday I make a point of giving money to someone in need, not a lot as I cannot afford it, but there are always people worse off than you. I am not extravagant with money, I don't have fancy things at home or fancy clothing, I am very frugal when it comes to seeing to myself. I just want to be able to settle the debt I have and stop biting my nails till there is nothing left to bite. I want to wake up in the morning without being in an absolute panic. Everyone has their needs in life and I am grateful that I am healthy, grateful that I am employed and grateful to be on this earth. I don't look forward to payday as I know just about all my salary is being swallowed up by debt. I am desperate, just saying it makes me panic even more, but I hope that by doing this I can resolve my situation. I promise to pay it forward, promise to keep giving whatever I can to those less fortunate than me. I hate asking people for anything, but sometimes we have to swallow our pride and reach out. You never know.... Thank you for taking the time to read this.