Using today would calm my nerves a bit.
and dig you deeper into debt.
I had major financial hassles too Riky...it took me til a long time after I got sober to sort it all out, but I did.
I went to all my creditors and worked out payments plans, I made a budget, I cut out a lot of frivolous expenditure...
I know being poor can be stressful - I used to worry a lot - but these days I know as long as I have a place to live, food to eat, power and water I'm not gonna die
The bottom line is the sooner you stop spending money on crack the sooner you'll be able to get yourself back into the black financially.
Don't listen to any voice that says anything different, man.
D