kittycat1:How do I get out of this mess??
What mess? You can pay for the school photo and for petrol with cash. Personally I prefer to take my own photos of the kids - our school photographer tries to make the kids look like a group of Charlie's Angels. It wastes a day of schooling and the pictures are rubbish.
You have had problems in the past with buying things that you couldn't afford. Those issues will all be forgotten about after 6 years. All you need to do is pay your bills and spend what you can afford for 6 years and then you can have a debit card and, probably, a credit card and a mortgage as well if you want.