In June, I lost my job and had to survive on less than 2 months worth of severance. I have: $51,000 in credit card debt; $165,000 in student loans; and $6,200 owed to friends/family. I owe myself almost $4,000 from my retirement fund.
Prior to getting laid off, I was already falling behind on rent and was taken to court by my former landlord so I moved to a cheaper apartment. Unemployment benefits were hardly enough to cover my rent, never mind my other living expenses (e.g. food, transportation) and debt payments. While laid off, I incurred a $500 medical bill which I'm still paying off.
Thankfully, I landed a new job that started in mid-September. Just as I was ready to start fresh and build up an emergency fund, one of my pets got sick. Vet bills and medications quickly added up to over $3,000. My own health insurance options rose by four times the previous amount.
It feels like every time I take one step forward, I fall 10 steps back. How do I begin to save when I continue to live paycheck to paycheck? The anxiety keeps me up at night which, ironically, affects my job performance.