<prompt> Human: Im 23, married with a five month old baby. I make 68,000 a year, and my wife stays at home with our daughter. Things are just.. tight, and I want to make it better. Having a second source of income would be great, I think, but Id like to do it without having to make my wife get a job, as most of that income would go towards child care for our baby.Some more information.My take-home pay is 3950, monthly. Payday is bi-weekly.We just bought a house, and the monthly mortgage is 1230.My car payment is taken care of, but my wifes is 545, monthly.We have about 4000 in credit card debt.I contribute 4 to my 401k that has 600 in it just started new job, and have 10k in an IRA that I rolled over from my old 401k.Last payday was last Friday. I set aside money into my savings account with my primary bank for bills, then everything left is spending money. Every payday I set aside 1050 for bills, which includes the mortgage, cable, electric, gas, water, and car payment.Help me out, rpersonalfinance. Im tired of it being so tight. Im more than willing to take on something on the side as I said, Im a developer, I just dont know what my options are.Also, I know that its pretty stupid that things are so tight. I just dont know what to do.Thanks.Oh, I have more information if its needed.Assistant: the car payment is huge. looks like youre going to be a one-car family soon.Human: Wouldnt work. My car payment is taken care of by my family, and I need it to get to and from work 25 miles one way. Wife needs one to do the things she needs to do.  <response>: I understand your resistance to the idea, but having one car means no car payment, only 1 car insurance premium and reduced fuel usage. More wear on the car, admittedly, but that is more than made up in the fuel savings alone.I would compare the difficulty of switching to a one-car family vs working an extra day a week freelancing or having a part-time job. Can you carpool to work? Can you ask your boss if you can work from home 1 day a week? 