Ugh

After all our budgeting and actually following the budget, we are falling way behind on our bills. We currently have a couple payday loans out, sold our Camry, and I am putting in for vacation time every week. Yet, we can't seem to get out of the hole we're in. The car business has been horrid for the past 6 weeks, and when Hubby can actually get in front of customers, 90% of them are duds (bad credit, too upside down in current auto loan, not buying for another 6 months, etc). I'm about in panic mode now. Electricity is going to be shut off next week if it's not paid, and I got one of the payday loans to help with that, but I'm not sure if it will be deposited or not as I haven't yet received a phone call or email regarding the loan. And I know, payday loans are dangerous, however, I'm literally at wits end and not sure what else we can do. Next thing to try is to get some assistance (or attempt to), but last time we tried, we had to have shut off or eviction notices before they'd help...which we've only got for the water bill. I'm so totally stressed out by our finances right now, I would love some advice if you have some.