I'm 30, married, and have a 1.5-year-old daughter. My monthly on-hand income is 71,000 ₹ (INR). These are my monthly expenses:

• Home loan: 18,428 (Loan amount: 18,50,000. Number of EMI pending: 150. Tenor: 161 months, ROI: 7.4%)
• Home topup loan: 5,956 (Loan amount: 4,50,000. Number of EMI pending: 169. Tenor: 180 months; ROI: 9.7%)
• Term plan: 1421 (Tenor: 30 years and covered until I turn 78)
• LIC: 4,000 (two different policies, one up to 18 years and another for 24 years)
• Mediclaim (health insurance): 1,000 (12,000 yearly family floater)
• Mutual fund: 1,000 * 2 = 2,000 (two different monthly mutual funds automatically debited from account)
• Credit card 1: Minimum payment: 10,000 (total pending: 1,09,000, interest per month: 3.4%).
• Credit card 2: Minimum payment: 5,000 (total pending: 44,508)
• Credit card 3: Minimum payment: 5,000 (total pending: 33,880)
• Credit card 4: Minimum payment: 5,000 (total pending: 22,460. Interest per month: 3.35%)

So my total expenses are around 57,805. I am not including other expenses like food, electricity, etc. So later in the month, I use credit cards as I have almost used up my salary for the month, and I spend an extra ~10,000 using credit cards.

I have checked the interest of all credit cards and it seems to be around 7,700 ₹.

I do know that I have to control my credit card expenses. But I am at a point where I have to use credit cards to keep things running. So what should I do to break this cycle? I can provide more details if needed.

At this moment I am not even sure how I should break this cycle: Salary → pay credit card bills → out of salary → use credit card.

Additional Details: wife can't work as she takes care of my daughter. Other family member are leaving on different place.