Right There With You, Mate
Go over here, to A-b-c-dee, and leave a comment on this post. Deanne's gotten herself into a little bit of trouble, and there's fuck-all we can do about it. But we can leave a supportive comment, which will have to do.
And if my tone is a bit harsh, it's because I've been where she is now, and it sucks. You struggle with the numbers over and over. You re-add, and shift payments around. You say, "well, if I don't pay the insurance this month, I can pay for the gas and the electric. Which means I can let the gas bill go next month to pay the insurance...they won't cancel if I fall behind a month, will they? And I can pay the minimum on the credit cards, but only this month, because next month will be better, won't it?"
Yeah, I've been there. So go leave a comment. Tell her everything's going to be ok.