<prompt> Human: Im currently going through a divorce and as a result, I had to get my own apartment. Hours for everyone at work are being cut poor sales in retail no hours. I make 9.53hour and average anywhere from 25-30 hours per week. Im thinking of getting a second job just to make ends meet. I even have my mother help me out with money everyone once in a while, but all of it goes straight to bills. Here is everything I have to pay each month:Rent: 565Electricity: 80Gas: 60Food: 100Credit card: 220Payment for dental work: 100Car payment: 119Car insurance: 68Phone bill: 35Cable internet: 60Unfortunately my credit card is over 9000 due to moving expenses or buying things for my apartment, along with paying for things for my soon to be ex-husband, as he didnt work for 2 and a half years. Ive had my job for over 5 years and had to pay for everything for the two of us plus our 3 year old daughter. Im not asking for handouts or anything. Thats not what Im trying to do although it would be nice. I just need some advice over what I can do to not panic every week and have enough for everything I need and some of the things I want. Second job? Have three jobs? Declare bankruptcy?  <response>: Biggest problem is getting full-time equivalent employment. Get a second job for now and work on a plan to get into something more sustainable than retail sales.Your spending which excludes some key things is 1,407 and youre only bringing in 1.1k gross of taxes. Need to make some big changes; consider moving in with your parents.Can you return any of the 9,000 of things you bought for the apartment? Im assuming a big chunk of that is furniture. Big number and you couldnt afford any of it. All your other expenses are reasonable and more or less unavoidable.Your food bill is very low. Or you eat out a lot, which you cant afford to do. Youre also missing transportation costs.Certainly cut cable to save a few bucks too. You need every penny.Id look into whatever social services are available to you; youre well below the poverty line and you have a child. Also reach out to your personal network parents, siblings, friends, etc. for help not financial help. 