I would drop the term life. You are young, and have no dependents. Having dependents that would need your income for support is the ONLY reason to have term life at all (I wonder why you had it in the first place?). Keeping it now just on the off chance you might die or get married and have kids in the "what if" future is a poor use of your very small resources. Drop it and use that money to pay down the credit cards. You can always get term life again in the future. Sure it might be a few dollars more expensive, but you are bleeding money right now and have very little coming in, so every little bit helps right now!
Look at raising your rates on your photo biz, and really start hustling for business. Can you work overtime at your main job? Start asking for as much as they can give you while still enabling you to work your side gig. I'd be picking up extra shifts until those credit cards were paid off at the very least. If there is no room for advancement and no extra shifts to pick up, then despite liking the main job, it is going to mean you're trapped in a low salary spiral unless the photo gig really takes off... and I wouldn't count on that. Might be time to find a new (main) job?
Shop around for your auto/renters/biz insurance. I think you can get it cheaper, especially since you've got it bundled together. Check the big national chains like GEICO, Progressive, etc... And sure, your current insurance is nice and handled the claims fine for you, but misplaced loyalty might be costing you money. It doesn't hurt to check around.
Also, what kind of car do you have that costs $120 month in gas? I would think you'd have to be driving hundreds of miles a month, and you said you don't drive to work, so why is it so high?
The biggie is your rent. WOW is that a huge amount of money - almost 50% of your take-home pay! You need to find a cheaper/efficiency apartment ASAP. Does your apartment complex have smaller/studio apartments? Did you keep the apartment after your divorce, or was this where you moved (as they might be more lenient if you divorced and needed to move and break the lease because you no longer can afford it). In any case, until you're bringing in a significantly larger salary, that apartment is more than you should be paying right now. If you were open to roommates, I'd even check into renting a small house (2-3 bed) and getting a few roommates, and seeing if that would work out better cost-wise (would work out with having the dog better as well). I personally wouldn't want to live with other people, so I'd be doing my best to find a tiny place that doesn't cost that much and then working every shift I could to make up for the cost.
And as much as I love my animals, I'd suggest that you do not get another pet if something happens to your current dog. You shouldn't be a pet owner right now because you can't cover the monthly expenses for you and your dog and also cover emergencies without going further into debt. If you have a vet emergency, you'll be even more in debt trying to save your dog, and you really can't afford that right now. But you have the dog NOW, so you're kind of stuck. The fact that you are unable to rent other apartments due to having an animal (and paying a pet deposit probably) also increases the costs to you. Again, I love my pets, and know I'd be pretty sad without them, but you're not in a good position to really support yourself and dig out of debt, and adding an animal to mix just makes it worse.
