I was once jobless with a car, credit cards, cell phone, rent, utilities, etc.    Fortunately I had a pay-as-you-go phone, which I kept because I needed to receive calls from possible jobs, and the sublet where I was living didn't have a landline. I reduced my plan to the lowest one. I suggest letting the cell phone go and getting a pay-as-you go, like a TracFone.    You can be 3 months late on your car before they take it. I was determined to have a job before then.    I had to pay my rent on time or I'd be charged an extra $100 so I made that my priority. The first $320 I had would go to that automatically before I paid for anything else.    I called my CC companies and explained the situation. One reduced my payment to $0 and the other reduced it to the minimum payment of $25.    What really saved me was selling my stuff on eBay. I had a lot of clothes I didn't wear anymore, designer shoes and bags, club clothes, costumes, and old electronics. I avoided driving my car unless I was buying groceries or going to an interview. I'm glad I sold all that stuff because I found I was happier the more I got rid of.    As far as getting a job, I did piss around for about a month because I had an unemployment check coming in, but when reality hit, I spent how ever much time it took to apply to every relevant listing on Indeed and Dice (10-20 a day). I did that for two weeks, went to a lot of interviews, accepted job offers, left a job for another, got fired, and finally found one that works for me. As they say: FINDING A JOB IS A FULL-TIME JOB.