I just got laid off this week and even though I have already applied at a number of places I dread the thought of getting further behind in our already outrageous bills.  We have been so far behind we have been floating ourselves with payday loans, so every week a about $400.00 comes out of the bank and that is what is killing us.  If we didn't have those loans we would be ok, but we can never seem to catch up enough to get them paid off and we just have to keep getting more to survive.  Now that I have lost my job I don't know how we are going to make it.