So, What Exactly Do You Mean by That Advice?
While you have David Bach talking about the latte factor, Trent at the Simple Dollar is talking about how to cut back on expenditures and someone else telling you to get a second job, these aren't always practical when you've already cut back on coffee, you only eat PB&J sandwiches, and you're working 20 hour days between three jobs.
Take a deep breath. While it really feels like it, being broke isn't the end of the world. There are millions also in your shoes. Yes, it sucks when you have to make hard decisions - like do I buy health insurance or do I pay rent? I know, because I've been there. However, it's not the end of the world, and when the blood isn't pulsating hard through your head because you're having a panic attack, it's much easier to come up with a reasonable solution and determine a course of action. You cannot possibly solve your financial woes when you're sitting in a pit of despair. If you have a couple bucks, go to the corner store, treat yourself to something. Yes, David Bach is rolling his eyes at me, but if you feel totally deprived right now, you're going to spend bigger later when you have a little extra money. Again, don't panic!
Now that you've got a coffee or giant soda or pack of M&Ms, I want you to return to the area where you do your finances. Maybe it's the table or the couch or a desk. Take a deep breath. Really, you're going to be okay. I've known lots of people in the same situation. Get out all of your financial processing stuff. The bills, the statements, the collection notices - stack them all up. Take each item, one by one, and record it in one of three columns "Income," "Priority expenses," "I'll get to it when I can expenses." Things like your mortgage or rent, electric, water—those are your priority expenses.