<prompt> Human: Let me tell you a little bit about myself and what my Wife and I are dealing with financially. As a young adult I was terrible with money, borrowing from payday lenders and worse not really ever attempting to pay them back. I rented from a few different companies and would pay on time for the first few months only to have something come up such as auto repairs or that irresistible new piece of technology so I would spend my paychecks on those things and then go out and get a payday loan to pay the rent. Then the next month I would spend all my hard earned money on paying what I could off of the payday loan only to have rent go unpaid. In this way I pissed off a lot of renting companies in the town I live in to the point where I can no longer rent under my name anywhere and along the way accrued a few judgements and collections for debts that have simply decimated any chance I ever had of keeping what little of my paycheck there was to begin with. Ok fast forward a few years.Ive managed to clean up a bit of my debt, but not enough to be approved for even 20 of credit. I cant rent still so I have been living with my girlfriend, who just two weeks ago became my wife, under the radar. I pay her in either cash or transferred money to her bank account, and she pays the landlord and all is well. Oh except for the fact that we have a small dog and two cats when our landlord doesnt allow any pets. We have been able to dodge any encounters about that up until now but we know it cant last. So, we have put together a solid financial plan that in 20 shortish months would put us almost completely out of debt, however leaves no room whatsoever to save even a penny. Which means no money to put down a deposit for a new, pet friendly apartment where we can breathe easy. We have both taken on 2 jobs each and even then everything is tight with money. Weve sold things and saved coins, even pennies, and weve stuck to each other and our plan up to this point but there always seems to be more and more debt and no change. So I have finally decided that our two heads may not be enough, and have thus turned to Reddit. Give me advice. Are there programs that can help alleviate some of these problems even with terrible credit? Is there anything different that we can do while also paying our current bills that would help us in any way? Anything is welcome here we are kind of grasping at straws so thank you in advance.  <response>: We can see you love your pets.You cant afford your pets.Youre breaking the rules of your landlord by having them, and are risking homelessness to keep them. So, you have two things that will happen to you - either the landlord finds out and you and your wife are almost instantly homeless with 3 pets, or you get rid of your pets to other better homes and keep getting your act together. A lot of people think they are offering their pets a good home, but in reality, youre over top of a fire pit and the stick you are on is burning. All in the name of but they are in a good home! Its not a good home for them if you lose it because of them. 