This is something that is happening everywhere...my step son got his notification about two weeks ago that in Jan his job is gone forever with the plant he works at shutting down. I know it is a blow to lose your job...I have been there...did not know how I was going to make it...but we did. Go over your bills and see who can wait....talk to your mortgage banker, car note holder etc...don't wait until you are behind to do so. All they want is their money...they do not want you to default...especially in a down market. You should find you can work out some reduced payments until you can get back on your feet. Life ***** right now I know..or so it seems...but look at it this way, a new door of opportunity is also opening...you are now free to seek new horizons...here is a prayer that you and your family enjoy the love of Christmas and the fruits of a coming New Year.