Walmart and jobs like that are always hiring.....get a hold over job that you are probably way over qualified for but will still help. Some sitting at home are just too good to work at jobs like these but still complain. Cutting costs is also a very simple thing to do if you lay out a budget and actually think about all the money that is wasted monthly on wants instead of needs..... This stuff isnt that hard if you look at what your faced with and take control of it. So I say its simple.... Use whatever words you like.