Ah ... what Chandler on "Friends" called "Get The Fear!"

I've actually had the fear a couple of times already, and I end up deeper in debt after each one. The first time, I quit one job for another and moved hundreds of miles from everyone I knew. That job ended after a little over a year because of shitty employers - I quit without having another job ready. In fact, I quit to go overseas for a month - the second instance of "getting the fear" - and spent money I didn't have, though I did learn a lot.

So it's not that I don't know how to do just what you suggested - I simply can't afford it any longer, LOL.