TLDR: Any tips to end the debt cycle

Recently divorced in in April and had to to do a few cash advance apps (earnin, Dave, etc.) as well as payment plans for new furniture (affrim, uplift, etc,). Everytime i think I am good to not have to use a cashadvance app something happens. Most recently my car keys were stolen and i had to spend a couple hundred dollars to get that replaced. Thus having to do a cashadance app yet again and am now struggling again,. My credit score has taken a massive hit.

I also make too much to qualify for most asstiance programs (I make around 4000 a month). I am just at a complete loss. I am overly frugal but no matter what i cant get my head above water, its lead to mental health rapidly decling and I am jsut at at aloss of what to do next.