No longer employed, Patrick will have a little time to find employment, before his savings is run through. At this point, he needs to find other options for employment. I would suggest that Patrick look for employment, even if it is a field that is not in his career field, at least it will be something that has income coming in for the time being. It is possible that based on his situation, that his bank or even creditors will be willing to work with him until he has found employment.
Nina’s gift will allow her to do several things including paying off some bills and saving some for a rainy day. I would recommend that she start with paying off some bills that have low balances ad eliminate this portion of her debt. If she is interested in buying a home in the future, the more debt that has been paid off, will allow her to save more money for the new home as well as a portion of this gift that she received for any emergency that might arise. She needs to be careful and not run through the money so quickly that it is gone almost as quick as she received