<prompt> Human: Hello. I am a 27 year old woman who is still living with her parents. I was, unexpectedly, let go from my last job in October. Im not in debt for credit cards, but for online shopping. Its a situation where you buy something, but you can pay for it in monthly payments. I wasnt planning on losing this job, and I stupidly did not save from this job or my jobs before that.I dont think theres any way for me to stop these payments either. I checked my account and they wont stop until April 2018. It also doesnt help that I am going on a cruise next month. My mom is going to give me some money for the cruise, but it wont be for this overdrawn account. The account is already 220 overdrawn and its only going to get bigger because of these payments.I hate having to ask my mom for money because shes already paying for my health insurance that is 402 a month. Im too scared to ask my dad because hes having money issues of his own. I dont want to get a loan because Im not employed to pay back the monthly loan payments and I dont know when Ill get my next job. Is there anything I can do at this point or is it a hopeless situation?  <response>: You need to cancel your cruise. Whats lost is lost but spending more money in your situation is the worst thing you can do. You need to be looking for work. 