Hi there,
I have read through not all but several of your comments. Here is my story. I had lost my job and my husband lost his job also with in the same hour on the same day. We were devastated to say the least. We had two car payments, house, credit cards and several other bills. Oh what to do. I went out and found a job right away, which helped some. My husband however held out for a year and a half. We survived on our retirement that we both put away for the last twenty years. We used this money, paying off several bills and a vehicle too. I still have the one car payment. We are just now getting use to the lower income. With hind site, I would say only get one car at a time pay off one then get another. If you are in need of money, one option would be to cash out a retirement but be a wear that you will pay finds and taxes, take the taxes out at the same time you take out your retirement. Another option is try for a grant. The government gives away money to people in need. You have to research this. Another option is get two jobs. Waiter at a restaurants on the weekend may make you lost of money. Just depends where you work. 