BC and AD

Given the huge credit card debt on me, well, huge by my salary standards, and the car, there is one conclusion that I have drawn. I am screwed. My life has entered a new phase - in Sanskrit I think it is called Grihatasray (correct me if I am wrong) - but for me it is Before Car (BC) and After Debt (AD). I am now a grand total of six months AD years old. I hate it! I need more money.