You can be very surprised at how much you can decrease your spending when pressed to do so. Put yourself in a position that you have no income as of today, what would you change in your spending habits? Do you really need your home phone? Okay if you do, do you really need the voicemail or 3-way options? You could save $10-15 a month lowering your phone bill. Change your food spending habits, bag lunches, buy generic at stores. Do you really need memberships at one or both movie rental businesses? Add the late fees up and it may be cheaper to do netflix. Do you have items you can sell in a yard sale or craigslist? Can you adjust your insurances if your not driving as much? What debt can you transfer to lower interest credit? What is your debt payoff plan, smallest first and snowball the savings into the consecutive debt bills?

Just like our Prepardness mind for this site, act as if the worst has already happened what do you do?