We cannot get caught up.

We are one and a half months behind on rent.

The next months rent is coming up, and I have no money.

A couple go over their stack of bills.

My car payment, the electric bill and our cell phones are a month behind.

The brakes are shot on my car.

Im really at a loss, and Im having horrible anxiety over it.

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I dont know what to do.

To say that its an anxiety-inducing way to live is a gross understatement.

And often when something is the source of great anxiety, its tempting to avoid it.

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You just want to get through another day, and asking for help is daunting.

But youve got to.

you gotta call everyone you owe and be brutally honest about your situation.

Keeping your family sheltered is the No.

1 priority, so start with your landlord.

7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

You dont say whether youre employed or have other sources of income.

If you do, youll be in a better position to negotiate a plan to get caught up.

Did you know?

Ultimately, you’re gonna wanna prepare yourself for the worst-case scenario.

But until you ask for help you wont know what resources are available.

Robin Hartill is a senior editor at The Penny Hoarder and the voice behind Dear Penny.

Send your questions about debt to[email protected].

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…