You need to prioritize Medicare premiums. They don't come after "bills." They are the most important financial obligation. I've seen threads where people have gotten in real financial trouble by failing to do that. Don't they automatically take out for Medicare, so you have no choice?

I'm on SSDI. I don't pay any Medicare premiums - I guess because I'm low enough on income. I have all I need of life's essentials. I pay no consumer debt because I defaulted on it when I got disabled. I have a friend who starves herself because she says "Before food, I have to pay bills." I think that's poor self-care.

I'm glad to hear you live within your means. Good luck with your work search.