Oh, honey. If we were having a financial disasters contest, I am quite sure I would beat you. The prescription for solving these things, though, is the same, for the most part. Get out of as much debt as you can (meaning, yes, if you get a bonus this year, think about taking out the car loan). Cut expenses (push hair cuts back a week; are you eating the groceries or throwing half of them out like we do; can you call up your cable guy and get a better deal, etc.) I also noticed you are doing 529 saving (as do we). If you can get yourself to really look at that issue, some experts recommend saving for yourself first even over college. I just, from a mom hormone thing, can't even look at that, so our retirement savings takes the hit. Little cuts in expenses, though, do add up, and every little bit helps.
We have just come out of a cycle where everything seemed like it would go up and up and up forever, including our incomes. The wake up call here was that old adage about saving for a rainy day is true. Some people knew that; many (including me) did not fully take it on board. Hopefully you are young and have plenty of time to make adjustments that are appropriate. I am told I am still young enough, although, in my 40s, I don't feel so young. Good luck OP.