<prompt> Human: Its been advised that I post some numbers previously so here goes:I make 1180 after taxes every 2 weeks. Im losing my job sept 5, but get 2 weeks severance pay if i stay till the 5th. Im looking for another job.My Wife is a nanny. Her income varies wildly. She has two families, but is losing one. her other one will not need her for a few weeks because they are on vacation. She makes 15hr. She has been looking for a real job since june but the employment gap is apparently hurting her. She usually gets 16 hours a week factoring out the family that she is losing to day careMortgage: 928 per month. Bought house for 115k. 111k Left. 4 I try really hard to keep this up to date and have only fallen behind once. Its up to date right now.CCard 1: 5487 owed. 5500 ceiling. 15.99. Monthly is like 170something. Its been behind for a while so I dont know for sure :CCard 2: 10,826. Closed. 4. 220ish Monthly. I talked to the bank about this one. They let me file a hardship to close it but bring the payment from 330 to 220. This just happened a few weeks ago.CCard 3: 1899 currently. 5250 limit. 38 min monthly payment. I cant find the interest rate.Utilities: Gas this month was 105. Electricity is showing 238.27 current 115.00 budget. Water is usually about 69 per month. I also get billed separately for sewage but I dont know what it is right now. I think its normally around 100. Garbage bill comes around once every 3 months. No idea until it comes around again though. I have a few minor medical debts in collections all for under 100Loan: I have an unsecured loan at 4 7622 left on it. 219.50 per month.Car: 226.89 per month. pay off amt shows as 9846. I had to put some major miles on this so if i sold it theres no way ide break even :Our car insurance is approx 110 per month. for both of us.To clarify some earlier stuff from my last post: When I said i used the 401ks i didnt take a loan against them, I just cashed them in because I needed the money for emergencies. Weve been fucked a long time :We are in a 2yr contract with Verizon for TVInternet for 99.97 per month. We have the lowest package for TV we can get. I will jump wo the internet.our phones are running approx 120 per month. I have a dumb phone my wife has a smart phone.Currently I have about 120 dollars to my name. I need to pay the mortgage when I get payed on the 15th or it will be late. Whatever is left we use for food and transportation. Im lucky enough right now to have a company car that I am allowed to drive everywhere so I dont pay for gas. Oh yeah my car is due for inspectionsemmisions this month too woohoo!We have cut back on a lot of expenses and basically dont go places or eat out anymore unless its cheaper than what we can make at home. Im thinking of trying to be a vegetarian to save on meat. Other than that im just going to work and trying to stay away from bridges.am I dooomed?EditBecause people seem to think I just go out and spend credit card money all willy nilly like:The situation occurred because I had a very solid 70k a year job when incurring the debt and was actually 2-3 months ahead on most payments, but then that went sour and I had to take a 37k a year job. My wife also had a 40 hour a week job at the time too. Things were good then one day it was like POW! welcome to debtland. Its not like I make it a point of saying hey lets go out and charge shit we cant pay off. Thanks for all of the good advice though peoples. Im going to just let the credit card people and the unsecured loan eat it for a while. I have the house at 4 mission accomplished, and a phone interview coming up tomorrow. I plan on repaying every penny I owe these guys, but priories first. Also going to switch to T-Mobile because I hate Verizon anyway and they are too expensive.Assistant: 3320 in yours plus your wifes 16 hours3135 out___You need to seriously reduce expenses and increase income. It took me 40 seconds to calculate those numbers. The fact that you hadnt done that before is a bad sign. You cannot afford your cars, your cell phone, and your ridiculous utilities 500 a month in utilities? stop using the air conditioning. Get a night shift job at McDonalds, start delivering pizzas. You should be spending 20 hours a week applying for jobs. Have your wife do the same. Walk or bike everywhere that you can. You need to get to the point where you can put MORE than the minimums towards debt. Human: were hoping to get some better jobs. If my wife gets a 40hr per week job i know it will help. Weve cut back on quite a bit of stuff. Im not sure why utilities are soo high though. I know the gas went up a lot when I started cooking. Without the phone I wont be able to apply for jobs because nobody will be able to contact me. Weve done the numbers before but she was getting 48 or more hours a week then : the simultaneous job loss is killing us.  <response>: Dude, sorry. Your situation sucks. But hoping isnt going to get you there.You need to make some personal sacrifices. You got yourself into a bit of a pickle, and only you can get yourself out. Turn off the AC. You dont need that shit. It will cut your electric usage way down. Take cold showers. You deserve it. Sell things to get money. Get out of that credit card debt! 