<prompt> Human: So I just got off a call with my boss and HR. Im officially unemployed. I am a single parent with a mortgage 3300, two car payments 1060 and three kids to take care of, off virtually nothing. Im in Seattle Washington, and online researching my options but I have no clue how to do this and the best I can find is less than 25 of my income. I have little to nothing in the bank due to paying off a whole slew of medical bills and there will be more of them coming. I am either even with my house or underwater due to the economy, as well as with my vehicles because I drive so much for commuting and work so to just get rid of them isnt an option. My credit is around fair, mostly due to medical bills so not as many options there as Id like. Any advice in the right direction is helpful. I know I wont be jobless forever, but in the meantime how do I afford everything, not ruin my credit and not lose my life until I find a new job?  <response>: You cant hold on to everything. You were already living beyond your means before you got yourself into this mess.I will never understand how people who make literally three times as much as I do can be so fiscally irresponsible. Ive seen families of four living comfortably on half that income. Talk to your creditors, liquidate your assets, stop living on the edge. If I were you Id pay everything off, and when I got back to making 115k, Id pretend I made 70k, or even 90k a year and save the rest. You and your children can not only survive but live comfortably on that kind of money, and if you cant, youre living in the wrong neighborhood. At that level of income to not be savinginvesting is shameful. 