Mortgages : How do you do it? Please help.

I am in a bit of a pickle at the moment. Having been debt free for years, all of a sudden I find myself in a bit of a mess, and getting stressed out about it. I have a couple of loan payments, the credit card is mounting up, the overdraft is accelerating away from me, the mortgage has gone up, the utility bills have increased - over the last 6 months I have lost control. I don't even know what I owe, and how much I pay per month. So, I look on here, and see in people's signatures their figures re debt, and I don't understand how it is that they seem to start with big amounts, with debt free dates that seem so close? I reckon I must owe £10 - £12k (gulp), and the last loan isn't going to end until 2011. How are you all sorting it out so quickly? How are you reducing your loans and interest rates? Please help, as I feel like I can't do it.