<prompt> Human: Still dammitHi again, PF.I posted my situation last week and received some solid advice and started doing what I can to keep my head above water. Thanks to everyone who commented.I wanted to give an update:I was brought into my bosses office last week and an HR person was there. I was told that my department was being dissolved and that I could take a severance 4 weeks pay or take an open position in a different department. This new position is at a lower basically entry level and is a 2037; pay cut.I went home and did some calculations to see how long the severance vacation payout would last and realized we could make it maybe 6 weeks before having 0.I decided to accept the new position because, well, I need income.After running the new numbers based on what Im expecting my check to be, it looks like we will be about 750 in the hole each month.Wohoo! Right?Heres where Im at today:-Ive started to application process for Income Driven Payments on my student loans, although Im not sure they will care about anything but my previous year tax return.-I plan on using my wifes CC to pay the renaming 100 on my phone so that monthly bill should drop 27mo and her cc payment wont go up that much of course. I know this is generally stupid and I will be paying interest on top of the 27 but its immediate release of that 27mo. I also dropped our phone plan to lower data allowance which will shave off another 10 from the bill.-I am calling all of my CC providers to see if I qualifysigned up for some form of financial distress insurance to maybe defer payments for a bit.-My landlord messaged me this morning and said he is putting the house on the market so we will need to be out by August. Maybe this is a blessing in disguise but so far I havent found anything cheaper in the area. Started to seriously look in surrounding areas.-I am calling the trash company to see what they offer for fewer pickups-I will be spending the night getting insurance quotes although I think 123mo for two 30yo drivers with two new vehicles will probably not be bested-My new position will be more days remote, so I should be able to save on gas-We are cutting our grocery budget to 130wk-I have been trying very hard to not turn on lights and utilize sun light as much as possible-I have been following up more rigorously on job applications and connectionsLife is funny sometimes. I am learning my lesson. I never want to be in this situation again. Once things start looking better I am going to make sure I have 6 months save. No excuses.Assistant: Sounds like yall need to sell your new cars and buy some beaters for the time being.Human: I will gladly take any advice on getting out of a lease so early in!  <response>: I am no expert, but I had been in serious financial distress earlier in life, and had a leased car. This was in 2010. I relocated because of my wifes job, I am an IT professional and had a terrible time making enough money after relocating to cover MY bills. I took any job I could get, temp positions, retail, whatever it took but nothing added up to my high paying previous job.After fighting it for way longer than I should have, I had finally just called the company I leased from and said I cant pay anymore so please come and get your car. Sure it wasnt good on my credit score, and they gave me a payoff quote and recommended I try to sell it first but the payoff was thousands more than value. My wife and I got by with 1 car for quite a while.Over the following 6 years I did end up finding a good job and then reached out to all the creditors I had stopped paying to work out payment settlements.Now, I have some savings, I have a 4 year old child, stay at home wife until child starts kindergarten, credit bounced back, bought a reasonably priced car and modest house... you can recover from this and it happens to more people than you may think.For me it was coming to terms with the fact that I had no choice and accepted that my credit was gonna take a big hit before things got better. 