<prompt> Human: My wife got pregnant in March, and when she leaves work, we will be losing 700mo in income She nets 1300 - 600 daycare 700. I sold my truck for an 08 Prius and am saving 280mo. now, but I really dont know what else to do. I feel like Ill be a failure if I apply for assistance, and my wife is deadset on going to school to be an LPN in the fall, so Im looking at an entire 1.5 years that she is going to be out of work, so we are going to be gaining 12,600 in new debt until she returns. Are there any programs outside of SNAP and TANF that can help out? I really dont believe there is much to cut on my budget. We invested about 10k this year into making our house as energy and utility efficient as possible, but ultimately we just dont have a bill that can make up that kind of money. Edit:Update:Ive cancelled my donations, cut out Xbox Live, lowered the haircut fund to 5 from 10mo, and Ill have my Sears card paid off in 2 weeks.Assuming I get SNAP which I dont see why I wouldnt, that will lower my food bill to 0 based on the guidelines I looked at. The final piece in the puzzle is paying off 6700 on her HHR so that we dont have that payment anymore asap.We should have 2000 in bonuses and an extra paycheck coming by December. We might get 2000 back in taxes, and we should have 1000 paid off just from the normal payments by January. For the other 1700, Im considering raising debt on other cards so that we can pay off the car and be able to afford our bills per month. Yes, that means short term high interest. But, over several periods of bonus checks, everything should check out. Assistant: Not to sound offensive, but why would you have a second child if you cant afford it? This is a serious question. I would be freaking out if I were in your shoes.Human: 1. I didnt come here for opinions on having children. This isnt politics.2. We didnt plan on getting pregnant again in the next 3-5 years. It happened, we are pro-life.  <response>: He wasnt giving you an opinion having children in the abstract political sense. You asked for financial advice. Children are remarkably expensive. Having an additional child when you already cant make ends meet is a poor financial decision. 