<prompt> Human: I had originally posted in advice and was told this would be a good sub reddit to repost. I just lost my job. I was never good with money and have no savings. Ive spent the last month looking. Now my rent is due, I had bought a new car and that is now due. My insurance is due. My phone is due. My parents wont lend me. My friends wont lend me. And my car payment charged me twice and Im negative 350. Im struggling to even get a gob at the supermarket. I have a good resume. Never quit a job. Worked with kids and managed a store for 4 years. People are hiring but not me. I dont know what to do. Where to start. Im giving up and I do t want to go on. Help me. Please. I need advice.  <response>: Im going to be direct here - the time for this post was about a year or two ago. rPersonalFinance is as much about planning and foresight to avoid crisis situations as anything else. Youre in a terribly bad situation - youre insolvent and have tons of bills due. First and foremost, you need a paradigm perspective change. That garbage you buy to impress other broke people new cars, cell phones, whatever cost you a lot - it cost you your financial stability and whats going to come next is going to hurt. The good news here is that everyone here has made financial mistakes and learned the hard way that limited debt, monthly obligations, and a fat savings account look a hell of a lot better than new clothing and fancy cars any day of the week. First thing is first - make a list of your bills. Give the monthly payment, interest rate if any and total bill. E.g. Car - 10,000, 7 interest, 200 a month for XX months. Second, you need to file for unemployment, welfare, and food stamps. In the meantime, you need to go to a food kitchen and seek help. It sucks, its embarrassing, and it strips you of your dignity as a man woman. Ive been there and I will never be there again. Remember how bad this feels and make a major life change right now.Third, you need income. Waiting isnt an option. People are hiring, just job you may not want. Walk into your local pizza shop and find out if theyre hiring delivery drivers. Odds are youll have a job within a weeks time if you do this at enough locations. What about bars - bartending? Do not take any job that requires you to pay them, buy stuff, etc. Nothing thats 100 commission, either. This is about cash flow right now.As for payments - your credit is about to get wrecked. Such is life when you dont save anything. You need to prioritize your bills - food is paid first hopefully you can reduce this with free reduced fee meals. Then rent, car insurance, then debt. Do you have a roommate or family you can move in with?The biggest thing to know is that this can be a temporary problem or the beginning of a life time of poverty. Its going to come down to how you handle this, what you learn, and how you act from now on. If you feel like you ducked a bullet in a few months when this blows over, youre likely going to be here again. If you feel like you got disemboweled and know that the floor can fall out from underneath you at any time in the future, then youre prepared to start making changes. Google baby steps Dave Ramsey and start listening to his stuff free on his website YouTube. 