<prompt> Human: Hi Reddit, and thanks in advance for your help!I have been out of work for over a year, and I am basically all out of savings. Of course, getting a job is my 1 priority, but in the meantime, I need money to pay rent, bills, etc. I was hoping I could get some advice on what my best options are, in terms of personal loans, or if there is some other option I am not familiar with.Ive been budgeting with YNAB for over a year, and my monthly spending is about 3,500.My credit score is 821 according to Mint, and 799 according to Discover although it has been 815-816 for the previous 10 months, not sure why it dipped down. I also have 31,000 in a 401k from my previous employer, and 7,000 in a Roth IRA.I have no debt, just my credit card bills from what I spent in the current month, which is less than 2,000.If I need to borrow some money until a loan goes through, my parents will help me out for a couple weeks.Thanks again,toasterAssistant: Break down your weekly spending please. 3500 a month is nearly 900 a week. How are you spending that much?Human: edit: monthlyRent: 1550 1BR in northern NJWater: 75Internet: 75Electric: 75Gas: 35Groceries: 325Gasoline: 125totals to 2250Therapy: 600 my dad offered to pay this, which I will have to take him up onInsurance, Oil Changes, Registration, Toiletries, etc. 200Gifts and dining out dining out only for friendfamily birthdays: 125And I spend some money on my gardening hobby, but obviously that wont be a factor going forward, about 200-Possibly a mistake, but then another 200 isnt going to keep me in my apartment another month.So maybe my expenses are closer to 3000  <response>: Rent: 1550 1BR in northern NJMove back in with your parents. 