Hiya pearl. Look, you've sorted your credit cards with the loan and you know the date when that will be paid off. This month you have unavoidable commitments which require money, but you are back at work, and you have money coming in each month, so you can and will chip away at the overdraft/overspending.
You need SYSTEMS, my love, so that you're not relying on willpower and motivation when the desire to spend strikes. And you might benefit from not having an all-or-nothing approach (if you think this is you) - like if you've overspent on one item, sod it, I've cocked up frugality now, might as well go for it before the regret really kicks in. It's (in my experience) very like the dieting yo-yo: oh, god, I've eaten something 'bad', so now my diet plan is spoiled for the whole day/week - I'll just eat the whole packet of biscuits/chocolates/fried cheese sandwich, and I'll gorge all weekend on the sofa, because I'm a pig who doesn't deserve to feel well about myself, and I'll get back on the diet on Monday. Whereas if you just ate the biscuit, shrugged and didn't let it blow up into more, you'd be fine, you'd eat your protein, drink your water, do your steps and your workout and you'd carry on getting fitter.
Have something nice that you can do for yourself when you're craving spending: actually, have five nice things that cost next to nothing - ordering a book from the library, walking to pick it up, a workout and a bath, home mani-pedi, sort through your wardrobe and put some outfits together while listening to a podcast, - whatever it is for you.
And honestly - I cannot emphasise how much a difference this made to me - stop being surprised by your own life. You know you have anniversaries, and birthdays and Christmas and holidays. They are literally in the calendar! Plan ahead in the cash flow/budgeting spreadsheet. Dial down some events so you can spend more freely on others (for years we didn't buy adults in our family any gifts at Christmas, and we still barely do, so we could prioritise children; birthdays are always marked in some way - home-made cake or special meal - but gifts might wait until the finances improve. Obviously this is not the case for kids, but DH and I are adults, and we can cope very well with deferred gratification!)
Surround yourself with a helpful community - this forum, (I hope!), YouTubers, bloggers, podcasters - to support you as you develop your frugal-positive mindset. And just don't give up - you wouldn't counsel your friends/DW/DCs to just give up or berate themselves at a setback, would you? So don't treat yourself worse than you would those you love.