Financial terror

My checking account has a negative balance.

I almost have a deliverable for karisu_sama and her husband, but Virtual PC keeps saying it's "Out of Memory" when I try to install a critical piece of software.

Even when the radio station pays me tomorrow my checking account will still have a negative balance.

I have money in Paypal I need to get to Consonance, but I can't move it because it'd get sucked into the vortex of my checking account if I did so.

I can't collect unemployment because I "earned" money even though I'm not collecting a red cent of it.

I don't have enough money left in my E*Trade account to pay my mortgage and my bills.

I don't know what to do.