This isn’t your situation, but this is how we did it while living very paycheck to paycheck. Plan and budget. We had a plan for everything. It hurt, but we planned our store trips, our meals were the sales and manager specials. We knew how much gas we were buying and which kid had birthdays and gifts to buy for, and we shopped ebay gift cards and scrapped by. We also made hard decisions, and it sucked. We cut cable, and other non essentials, we almost never went out. We were able to plan a path out, we refinanced our house, by taking a title loan on my car. We consolidated our cc debt.
What I’m trying to say is, you find a way. Maybe you can work towards a promotion, or a new career. Or find a different living situation which would be cheaper to help sort it out. Try not to lose hope, try to find a path to prosper. I’m pulling for you.
Duped? Complicit