If you can file for unemployment do that first. Then call your credit card company and tell them what you are getting for unemployment and what your monthly living costs are. They will temporarily adjust your payment to something affordable until you can get back on your feet. The only catch is they close any available credit on that card permanently. I’m not sure if all companies do this but Bank of America and Chase will.

Start calling your creditors and seeing if you can get a reduced interest rate and reduced payment scedule. Pay even a small amount to keep it in the records that you are trying… Also, keep track of calls made and whom you spoke with in the credit card companies. You may need these records later if you plan on trying to settle the debts. Also, try speaking with a supervisor over just an available associate. You may also want to start scaling back any frivolious spending like cable television, extra’s on your cell plan and things of that nature. You would be surprised at how little nickel and dime things add up to BIG bucks…. Look into gov’t programs. Like WIC/reduced childcare expenses etc… and those type of programs.. You’ve paid into them so you mine as well use them for what they are for.. There’s no shame in getting help when you need it.. You can maybe at the least get food vouchers and maybe help with rent/utilities. Also, chat with your landlord and see if he can maybe work with you on lowering your rent temporarily make some sort of trade just be honest with your situation. He may be helpful. Start getting the Sunday paper and using coupons for groceries… You can even print them from the computer… Start buying generic whenever possible or sharing items in BULK…

Get a roommate- to share expenses…

Look for childrens items and things you may need.. on FREECYCLE.ORG there items are FREE as long as you can pick-up… It’s also a good way to recycyle things you may not need anymore to others that can use them…. Things that are always on there are childrens toys and clothing…

There’s always asking family/friends to help out with childcare and maybe even a meal or two… Just be prepared to give a bit in return…

good luck