<prompt> Human: A little about me... Im 26 years old, married, single income in household of 6. Kids ages are 7, 3, 2, 2. 2-year-old twins were a surprise pregnancydouble surprise twins. We knew we were not financially ready for another child, let alone two.My dilemma: We are drowning. For the past two years we have barely been able to stay afloat. I picked up a second job part time then lost the full time job within two weeks. Part time turned into full time after 90 days, but debt was already piling up at that point. Since then, we have been behind on everything, having to borrow money between paychecks in order to keep bread on the table. I live in Indiana where minimum wage is 7.25hr. My current wage is 16.50hr, but I have to commute 80 miles a day for work. I have looked for local work, but the pay is dramatically lower for the same job was offered 12hr. My wife currently stays at home with the kids. We done the math, and she would have to make about 15hr to offset child care expenses, and even then we would not be bringing home any supplemental income. As I mentioned, we were staying in the green, barely, until the garnishment starting coming out of the checks. The garnishment is for a vehicle loan that was defaulted. The vehicles transmission had blown and was no longer in warranty, and we did not have the money to fix it, so we had to take it up the tailpipe. We have requested the garnishment be dropped to a lower percent, but we are still waiting to hear back from the lawyer. I have been drained by this garnishment for 6 months now, and it has devastated our already-unstable financial situation. As or right now, we are 3 months behind in rent, and the landlord is giving us until January 1st to get caught up. So, not only are the kids not going to have a single thing to open on Christmas this year, were going to be homeless going into 2014.Im a poor excuse for a man and father. I have made a lot of stupid choices over the past few years, and my children have to suffer for it now. If there is any way you guys can find a way to help, please let me know. If you know of any programs we could benefit from, or really anything, I highly appreciate the help. We receive SNAP benefits for food assistance, but that is all we qualify for at this time. I listed my monthly income and expenditures. Keep in mind, Ive got 3 in diapers still, although the 3-year-old is in transition to big-boy undies, but he still sleeps in diapers at the moment. Household necessities also includes paper towels that we use to make our own baby wipes.Monthly Net Income: 2370Garnishment 25 of gross: 715Health Insurance: 205Rent: 600Utilities: 450Food: 200 SNAP benefits of 120CarRenters Insurance: 185Fuel: 250 10day for work, 40 miles one trip 100 wife kids doctors appointments, grocery runs, etcHousehold Necessities: 60Diapers: 80Internet have to VPN to work sometimes: 10Medical billsco-paysCPAP: 80Cell phone: 0 in-laws___Total -565moCurrent checking account: -840Current Savings account: 1Cash on-hand: 815k in debt due to 2 defaulted vehicle loans and medical bills thanks 5k deductible!vehicle 1 blew transmission, currently garnished, still owe 3kvehicle 2 payment was 550mo, could not afford after losing job and only working part time for 90 days. Have not began garnishment yet, so Im not too worried about this one right now.Current vehicles were paid for in cash. Her van gets terrible gas mileage, as most vans do. My car gets decent mileage, about 28-30 highway, but it just rolled over 200k miles, has no airheatblower, and can literally fall apart at any moment. I have been trying to come up with 80 for a new CV axle for over a month now. Its only a matter of time until it fails completely, but I cant afford to commute in the van. Such is life.Please advise. Please.Assistant: If your wife is staying at home with the kids, could she do a home daycare and babysit an extra kid or two and bring in a bit of cash? Human: If the child was young enough, then maybe. I actually brought this up with my wife after reading your post. However, our kids mainly the twins are so very high maintenance right now. The twins are 2, and are into absolutely everything! What one isnt doing, the other one is. Adding more children into the picture is basically just adding more stress into the daily picture. But, we will entertain the idea, for sure. Anything is a possibility at this point!  <response>: Yes its high stress, but not as high as homelessness with kids. That is one of the highest possible stress loads for a mother. Ive seen moms in that situation and it is incredibly tough. She can probably do anything if you encourage her to consider how it compares to the alternative. 