Debts...when to clear

Debts? Good or bad debts. Some people said if you have debts then your debts growing and give you more profit so it's call a good debts.  If your debts growing into more debts then it's call a bad debt. A good example is credit card debt.  So far i can't manage to clear the debts even I have tried since early last year. I will try again this year. So the easiest thing to do is spending must be less than income. Haha... Please don't go to shopping complex if you want to keep money. Then you can save more.

Monthly payment.

1. Water bill - around RM 20...not so much
2. Electric bill - more than RM 300..Wow ...If I can reduce to RM200++ then it's good enough.  Can save RM1000 per year
3. Astro bill- around RM42. Use the cheapest package..If I can get good antenna receiver. Then better stop Astro. But my area,  the antenna receiver is very poor.
4. Unifi- use package VIP5..Monthly about RM149 . Good for Internet,  free Hype TV and unlimited data..so far unlimited. 
5. Maxis broadband...RM 68 per month. 8GB data but with a catch. 4G daytime and 4 GB after 2am. But better than Digi Prepaid 1GB for RM 30. All sucks money from us. 
6. Prepaid DiGi. .RM30 per months. Okay la. But I have to pay for my wife and daughter also. Total comes about RM150/month. 
7. House loan...no more
8. Car loan about RM1100/month.  That's fine. Last 3 year to settle.
9. Petrol...around RM 100. Lucky works nearby.  NO TOLL.
10. Credit card - the bad part. More  than RM 10k per month.  

So many things to list down...