I'm 30, married, and have a 1.5 year old daughter. My monthly on-hand income is 71,000 Rs. 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 (2 different policies, one up to 18 years and another for 24 years)
* Mediclaim: 1,000 (12,000 yearly family floater)  
* Mutual Fund: 1,000 * 2 = 2,000 (2 different monthly mutual funds automatically debited from account)  
* Credit Card 1: Min payment: 10,000  (Total pending: 1,09,000, interest per month: 3.4%). 
* Credit Card 2: Min Payment: 5,000 (Total pending: 44,508)  
* Credit Card 3: Min Payment: 5,000 (Total pending: 33,880)  
* Credit Card 4: Min 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 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.