Hello PsychNitrous: I'm sorry you are in such dire financial straits. There was an article in our local newspaper recently about a survey that was done. People (in the U.S.) were asked if they had an unexpected $500 expense, could they come up with the money to cover it. A large percentage responded that they could not. So, sadly, you are not alone. It is a sad commentary on the state of the economy in the U.S. ... maybe not so different in a lot of other countries as well...