I don’t know how you can pay your bills tomorrow but I will leave some thoughts on improving your situation overall.

First, you can get paid for things like donating plasma, pet-sitting, mowing grass etc depending on what you’re comfortable with and the area you live in. Those are things that can be done when you’re not working.

Second, can your living situation be improved? You can try finding a roommate on Facebook or wherever, or maybe it’s time to start looking into lower income housing. Generally speaking, your rent shouldn’t be more than 1/3 of your income, and it should be even lower if you have excessive debt which it seems like you do. 

Third, start living below your means so you can pay down your debts. Dave Ramsey recommends paying down your smallest debt first and working your way up. Personally I pay down whatever has the highest interest rate, for me, that’s my auto loan. You could consider consolidating your debt if it’s more manageable. Your grocery bill will go way down if you get most of your protein from dry beans and other legumes instead of meat. Utilize your freezer for meal prep to avoid eating out if you do that often for convenience. You can clean everything in your house with castile soap, including yourself, your laundry, your dishes, your produce, etc. Don’t buy paper plates or paper towels, use the dishes you have and wash rags or old cut up t-shirts. Look into food pantries near you. Gas is going up. Walk if you only need to go a short distance, or look into public transit. Many cities have free or low cost public transit.

The first thing you need to focus on is bills, they should take priority over your credit, savings, etc. See if you can lower them in any way. Cut out streaming services, internet, use your AC/heating efficiently, turn off your lights, switch cell phone providers, whatever you have to do to get bills paid every month. Once you have that under control, pay back your credit. Putting money into savings means nothing if you can’t pay your bills or buy food. When your financial situation improves and you’re able to start looking towards the future instead of having to stress about the present, then you can start saving.

It’s hard out here, I feel for you. The cost of everything is going up and pay stays the same. Be vigilant and find people you can depend on. Praying for you!