<prompt> Human: I am a head in the sand financial planner. Im awful, I know, but when I dont understand my finances or dont know what to do, I ignore it until either somebody tells me what to do or I have enough money to take care of it. I have been in this cycle twice before. Please help me if you can. I havent worked since November. I was working paycheck to paycheck. I have about 80 in savings account, 60 in secondary checking, and -200 in primary checking I believe everyday my checking is under 50 I get charged 35 from the bank. I was told by the bank to get 2 checking accounts in case something happens to the first one, my primary one where my bills get paid from. I have about 13,000 debt over 2 credit cards. I havent used either in over a year though. Monthly bills are of car payments and insurance are about 570. Two outstanding bills sent to collections One for 180 and one for 100. I would do my taxes to get the usually 200 refund but I dont want to spend the 30 - 50 filing charge for state taxes. I cant sleep. I need some advice.Edit: Im not sitting on my ass hoping for a job or money to fall into my lap. I am applying everywhere no physical jobs, I wont be able to meet the requirements . Im even creatively visualizing my ass off for what that does. How about Best Egg? I got a letter from them 6 months ago that I have been holding on to. Is that a viable option? Assistant: sell the car. its killing you. why have you not worked since November? temp agencies are always hiring. you could get a job today doing something. Human: I was doing door dash and delivery for a while but stopped because of my health. Im applying my heart out. The job I was counting on didnt want me as much as I wanted to work for them. My resume is at 4 temp agencies.  <response>: As someone who works for a staffing agency mostly industrial, my advice is to call them all. Every day. Maybe even twice a day.The only time Im calling out to people is if we arent getting enough people calling in to fill our positions. 