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Dear Pay Dirt, I had a lucrative job for two years leading up to the pandemic about $120,000 a year and got laid off right at the beginning of lockdowns. As everyone froze up hiring, I ended up on unemployment until January of this year, when I found a job in my field, but at a salary of $60,000. Advertisement Unemployment provided peanuts compared to what I was making, and all of my emergency savings were eaten up just to pay the bills. I had to put quite a lot of bills on credit cards. I made all the steps to cut back on everything. I even moved out of my apartment into something much lower rent. Having had a job again has been critical, but I don’t see how I can get out of the debt I’m in. I have approximately $40,000 in credit card debt, live in a high-cost area, and am barely scraping by paycheck to paycheck. I am depressed, embarrassed, and unsure of what to do next. I have never been in a situation like this before I’ve always been good with my finances an ....