Step 1) I feel really badly for you. I am a terrible planner myself so I totally get what you are saying about organizing bills. I once lost a job and I know how much it really sucks. Shit happens sometimes, and you are an awesome person, so dont let it get you down. We'll figure something out.
Step 2) Do you need money for a down payment on a new car? Can I help you pay your bills or cover rent till you get paid again? Do you need a ride anywhere? (Notice how "logistical" all of this is-never commenting on the person-assuming no ill intent but just a run of bad luck)
Step 3) ? You lost your job huh. Why did you lose it? What did you do wrong? Are you sure it was your bosses fault? What could you have done to get more guidance? You should have spoken with your bosses boss. Was it your own pride that prevented you from seeking more help? I totally know how you feel, though, been there. Did you look online to see if you could find resources to equip you with more information to complete the tasks assigned? What will you do next time so this doesnt repeat? Getting your car repo was a pretty bad move to be honest. Without a car you cant get to work or anything else. If it was me I would have placed a higher priority on getting the car paid and not eaten out so much. You werent opening your bills? Bad move to be honest.
Step 4) You know I have been giving you a ride for two weeks now. What work have you been doing to get your own car? Have you made a down payment? Make sure and check it out at a mechanic's first. I can give you a ride for one more week, but after that you need to resolve the issue yourself. (These are the EXACT words I would say to the person)
After crossing multiple boundaries....
Step 5) I have been helping you for months and you have failed over and over again to act independently. I dont understand why you think it is okay to be a parasite on other people, but you need to get your shit together and quit using others. Grow a backbone, man up and get a fucking job. Have some pride in yourself and quite being a fucking scavenger. Your family comes before you and if you dont take the initiative to feed and clothe them, you are a piece of trash. It isnt simply needing help, but instead that you are too lazy to support yourself and plan for the future. (I would say these exact words. hehe, my brother and I have said words very much like this to my sister, an ESFP parasite. She is cut off from our families now.)