Hi Melmo.

First and foremost you need to talk to your lender and work out a reasonable alternative payment plan. Most lenders would be willing to re-negotiate your payment schedule if you are having difficulty paying the set amount. Start sticking with only the bare necessities by cutting out unnecessary items on your weekly grocery list, start putting every dollar you save aside per week to build some savings. It is slow going in the beginning...but having a safe place to land is more important and satisfying than the thrill of an impulse purchase. I am now a 'chronic saver'...this habit can also become addictive.

Make that call to your lender and get the ball rolling...I wish you all the best.