<prompt> Human: I was laidoff on Friday with no severance. Toys r us A little bit less than two years ago, I was also laid off and burned though my savings and messed up my credit. I dont know what to do now.I have a stay at home wife, a house and two small children. It may come down to paying my mortgage or paying for Cobra. Any advice would be greatly appreciated. Thank you.  <response>: I dont know what to do now.apply for every job known to man.when you get one and you will, you should put more effort into saving up for emergencies. lots of good info already here in this subreddit 