And finally, above all else:
Tip #18. Don’t panic!
When you’re feeling desperate, breathe deeply and remind yourself that right now at this minute, everything is fine: no-one is hitting you with sticks, the lights and heat are on and there’s food in the fridge. There are things to be concerned about, but take a moment to be in the present where you’re safe. Worry is interest paid in advance on a debt that never comes due.
Running out of money isn’t fun, but it’s possible to deal with it. Be very cautious about gambling on short-term gains that could work out to be long-term losses, such as living off cash advances on your credit cards. Be creative and persistent in your search for work. There is always more money on the money tree; it just may take a while longer to find it right now.