I agree that splitting your car insurance into 2 payments is a good idea. I also second a space heater and using it in the bathroom or in the bedroom right before bed.

Is there anything you can sell on craigslist to make some extra cash? I ended up selling a bunch of stuff that I wasn't using and made some extra pocket money.

I would also just pay the minimum on the credit card until you get back on your feet. Good Luck!