<prompt> Human: I am 20 and married. Own my own home, bought and leased a vehicle, then also bought some items that we didnt need but the items got financed and well we cant exactly return them. Just a break down really quick I make 3535 a month before deductions, I roughly bring in 1500 a paycheck - 50. My wife is looking for work but our roommate provides 300 a month rent to the mortgage.My fixed monthly bills include 1156 Mortgage 260 My car 300 Her Car 10,000 total 110 Dog 1500 total 120 Pots and pans 3500 total 110 Vacuum 2500 total on top of that I have food, gas, utilities, and misc expenses which eats into my pay. I was doing really good, paycheck to paycheck unfortunately, but still not doing bad until March. My mortgage company sold my loan to another company and neglected to inform me that I still owed my mortgage for march to them. I was waiting for my April 1st paycheck to pay for my April mortgage. Now I am getting behind on my bills. I have applied for credit cards with no luck. I am waiting for information on a personal loan to hopefully cover the minor payments and give me some extra income to actually put into my savings. I guess all that all I am really asking for is some advice on what I can do to get back on top of my bills. Thanks.edit-because the bot told me to  <response>: 110 Dog 1500 total 120 Pots and pans 3500 total 110 Vacuum 2500 total That is almost 4 months worth of take home pay right there. Buying these while having no EF was just not right at all. For that kind of money the Dog better be using the Vacuum to do the Pots and Pans.You did not say how long you wife has been out of work but I suspect that is part of the problem is a bored spouse. She needs to take a job, any job to get income coming in. I know the economy is not up to snuff yet but unless you are in a distressed area part time jobs are out there.Your wife needs to get at least a 30 hour a week part time job, any job, until you get rid of some bills like the the cars, the dog, the pots and pans and the vacuum. Then she can be a little more picky about the kind of job she is looking for.One of my wifes co workers works full time at a job and 30 hours at Wal mart to keep ahead because of husbands illness and the bills that go with it. I she can do that I am sure the SO can find work. 