<prompt> Human: OK, gosh my anxiety is creeping just starting this post. Here are some facts.- In the US- Me 26F Hubs 30 M, 6 month old daughter - Husband works full time 40k 1436 each paycheck after taxes - Me Stay at home mom works part time bringing in 800month under the table . - Hubs has 4000 in cc Debt probably less not sure- I have the lowest credit possible like 460 or something equally as awful due to stupid CC at 18 and then no medical insurance so medical bills going unpaid. - I have never paid taxes, when I was younger I was told I didnt need to file since I didnt make enough money to owe anything..obviously this is way fucking wrong. ive just buried my head in the sand out of fear and anxiety. I will be going to IRS.gov to see what my tax record looks like. It requires a debit card number which freak me out and makes me not want to check...because what if they take all my money? Should I just go into an IRS office?- We overdraft then get raped by overdraft fees. Probably give 300mo to the bank. I know this is awful. - I spend FAAARRR too much at the grocery storeSteps we are taking to start working towards better finances. - TURN OFF OVERDRAFT OPTION - I will be doing all grocery shopping online so that i know exactly what everything will cost and will be unable to do any impulse purchases - we only eat out once a month...but we will stop that.- Baby clothes will be coming from a local kids thrift store instead of new- We arent celebrating christmas- any christmas money that we may get will go towards debt- Im going to schedule a free consultation with a credit repair company to see what my options are.If you guys need a breakdown of our monthly expenses I can totally list that too. PLEASE BE GENTLE AND HELPFUL, THIS IS REALLY DIFFICULT TO POST ABOUT. EDIT : thanks for the input everyone! Husband and I will have a lot to discuss when he gets home! Just to address this, moving isnt an option, we dont have family to live with, nor would we be willing to have anyone live with us. Breaking our lease would cost us nearly 3500. I know that some people will judge us as irresponsible because of that. Id rather be broke than trust the wrong person around my daughter. Kids are often abused by someone you know, so Im not willing to take that risk. I have zero family in this state and my husband family I dont even allow to babysit.  <response>: Your rent is way too high for your income. If I were you Id try moving somewhere cheaper. Also sell the car and get something cheaper. You can get a decent car for far less than 440month. I live in a place with horrible winters and Ive never spent even half that much on car so its totally doable.For overdraft fees, this may not help for now but in the future, I have my checking account linked to my savings account so that if I overdraft the checking it takes it from my savings. So throw a couple hundred dollars into a savings account and see if your bank will set it up the same way. Its totally worth not having to pay those fees. 