broke again

Try as I might I just cant seem to get money under control. The fact I had to buy white shirts for work meant I went shopping and I knew I shouldnt buy anything else but it had been 5 months so I did. Now I have £43 till the end of the month. Will prpobably get thru without bank charges but I always worry at this point if I might have forgotten a bill. I got caught out about 6 months ago now by a BT bill. Waiting on the Bank court case to find out the outcome and hopefully I will get the charges back. I suppose it could go on for years tho so best not to be betting on that. It isnt like I am owed loads either just about £200 so it will make little difference in the scheme of things. Right now I am wondering whether to cash in my savings to pay off my debts. Theres almost exactly the same amount in both so the savings would really cancel out the debt. The trouble is I am making interest on the savings whilst not paying interest on teh debt due to it being on a zero% card. Difficult decision!!!. On the other hand my savings are in a stocks and shares ISA so they could in effect go down in value not up. The more I think about it the less I know what I should do.