This is not a flame, but you can find yourself suddenly unemployed, like I did. SO FAR, you have managed to pay your bills. That was true of me, as well, until last month. I lost my job at the end of May, and haven't been able to find another one. Health problems caused the job loss, and they've complicated the job hunt, since not all of my problems were diagnosed at the beginning of this whole process. I'm in need of surgery to correct one of them, and who knows what the docs will find after that problem is finally eliminated.
IOW, do what you can to cut expenses, and spend the savings on reducing your debt load. Just turning down the thermostat could help. It won't solve all your problems, but $30 or $40 a month applied to bills that don't keep getting larger each month and you could find yourself sitting pretty before too long.
Wish I'd thought of that a year or so ago.
After losing my job in 2006 and finding I was worth precious little to the job world in spite of a ton of experience, I took a chance on a socking big student loan and went back for job retraining. It looked to be a bad gamble, when 4 months after graduating at the top of my class the only "employment" I could find was an unpaid internship. Fortunately I start a new job on Monday.
Best wishes to you in improving your situation.
Prayers for you, FRiend. I’m in a bad health situation too. Prayer really helps. FReepmail me if you’d like someone to talk to.