I don't know how it happened, but my bills have really caught up to me and while I've been able to make due for the time being, significant increases in my rent, credit card bill, and electric bill have made it increasing difficult to meet all my financial obligations. I have a second job, but it's slow in the winter months and that second source of income has all but dried up until spring as it's largely an outdoor job.
"I don't know how it happened ..." - Let me help you understand.
"... I've been able to make due ..." - Grammar and spelling aren't the be-all and end-all of life, but frequent grammar and spelling mistakes can be a barrier to getting a good job or to advancement. The phrase should be, "I've been able to make
do,".
"... significant increases in my rent ..." - Ummmmm ..... Baltimore has rent control. Which means that unless this DU-member lives in a place exempt from those laws, the increase was small, but his lifestyle made the increase significant.
"... credit card bill ..." -
How do you keep a bull elephant from charging? You take away his credit card! 
Seriously, the dude should have locked away his credit cards in his safe deposit box or somewhere safe in his home.
"... electric bill ..." - Either this dude needs to learn to exercise some thermostat control, or governmental regs have pushed rates up. Or both. Either way,
Own it, dude!"I have a second job, but it's slow in the winter months and that second source of income has all but dried up ..." - When part of your income is seasonal, you can't live as if it is steady year-round!
But dude, it's the Obama Administration! High-paying jobs are plentiful! And Baltimore is a D-governed paradise! How could you possibly have a poor job and $$ problems?!