Firstly, get rid of the CC if you don't feel you can live without it. We have one, but it's for emergencies only. Can't remember the last time it got used.

Groceries - start with a reasonable budget, and to stick to it. If you need to, take a calculator with you so you know your running total, or do it online. If at the end it's more expensive than what you budgetted for, take something out that isn't necessary.
bills - set up direct debits from your access account, not your credit card. Have all your money go in there, and dispese accordingly.
emergency repairs etc - this can get tricky depending on what it is. Clothing etc, then we just make do until we can allow for it in the budget. If an emergency home repair was to come and you didn't have the money, then you'd need to re-do your budget. Get an extension on a bill due date, borrow from a friend etc.