It can consume you - the debt I mean. My sentiment is the same as yours. Taking on a job I never wanted, working harder for less and debt has got on top of me. Now selling what little I have to get through to the first pay cheque which is a month away - it’s too little too late and I’m scared too. I thought I had it all worked out. Finished a 12 month contract, arranged a 5 week holiday abroad and kept enough money aside to last 2 months when I got back. The tour company’s information about additional funds needs was dated and insufficient even though I allowed more for unexpected costs. Ended up digging into the reserves I had for when I got back but still wasn’t worried because a large Telco had said they would employ me on my return. I got back to find the Telco has suspended hiring because of possible recession worries. So I looked for work, market was dry and funds dwindling. Took three weeks to find work. Used credit to get me through another week. Now it’s exhausted. Daughter owes me $500 and keeps away from me knowing my dilemma. Brother is a millionaire and yes I owe him money and have made steady payments while I was working. It’s a spit in the ocean to him and he knows I am selling all that I can to get by but won’t help. His attitude is that he’s not a bank. Family avoid me because of my apparent depression and friends have their own woes with money - besides I wouldn’t ask. It is tough and the last thing I want is to become a bankrupt. I just need to survive a month and then the salary will slowly bring things right. It makes it hard to concentrate on the job when you wonder if the power will be on when you get home or what there is in the fridge to eat. Never been in this situation before so I commiserate with how you are feeling. Have come close but always managed to pull a rabbit out of the hat at the last minute.