<prompt> Human: Hello all, I am coming to you for help. In 2009, I bought a house that fit my budget. Turns out, the area is going down very fast and the property values all around me are plummeting. I bought my house for 101,000 and am still paying PMI. It is only worth about 82,000 now and I still owe around 88,000 on it. I recently went through a lay off from a well paying job and my savings account had been depleted as well as my credit score 660. I am back to work at a pretty good job and have always had steady employment except the once. My wife is now 4 months pregnant and I would like to get away from this houseneighborhood now that I have a family to worry about. With hardly no money in my savings account 6,000, a poor credit score, upside down on my mortgage, is there any hope I can move out before my future child turns 5 or sooner?She lost her car in an accident so we had to buy a new 2015 Malibu that were paying on and I just bought a new 2016 Silverado because my 97 was getting too costly. We try not to live lavishly but our cars are probably our biggest, flashiest thing about us. What kind of plan can I come up with. If I can save between 40,000-50,000 in 3 to 4 years, can I move out? What else should I do? What other options might I have? TIA!  <response>: Sell the expensive cars and get something cheap and reliable think Toyota echo, Honda civic. You dont need to have new cars, especially if youre trying to save money. I could easily buy a shiny new vehicle but I have other things Im saving for and my old faithful car gets me from a to b just fine. Saving that much money is definitely possible, live as cheap as you possibly can. Shop sales at the grocery store, meal prep, dont eat out. The number one thing I do that helps me save money is as soon as payday rolls around I pay any bills I have and put as much money as I can in to a savings account that I cant touch usually works out to about 12 -13 of my wage sometimes a little less or more depending on my expenses that month 