<prompt> Human: Hi PF. I hope somebody can help. Ill try to make this as short and concise as possible.Me 26M and my wife 25F have a 9 month old son right now and are expecting a daughter in December so yes, Irish twins. My wife currently works full time and my sistergrandma watch my son during the day. My wife will go on maternity leave from January through March, and then I have no idea what to do. I do not think my sistergrandma can handle watching two kids all day, so we have considered professional childcare but my wife is not too excited about that idea and quite honestly neither am I. Its just not what we want for our family and would like to avoid it if possible.The current budget monthly: Take home pay: 4,000 3,000 me, 1,000 her Mortgage Utilities: 1,025 Car Payment Insurance: 440 Student Loans: 690 Cell Phones: 160 Groceries: 220 Gas, Kids food and diapers, Entertainment usually very minimal, and Church: 700 Leftover usually goes to savings: 765Now, heres the problem. Our health insurance is through my wifes employer. If she stops working to stay home with the kids, we lose 1,000 of monthly take home income and also incur another expense for insurance of about 500month which is about the cheapest plan I could find. So that 765 leftover each month instantly turns into a -735 deficit each month without changing anything else.So PF, where do I go from here? Im willing to take on a second job like pizza delivery, bartending, or Uber to make up the difference, but I still dont think it will be enough. Are there part time jobs that pay better that Im just not thinking of? Ive got the student loan payments as low as they can be at the moment. I guess I could try lowering them again. Any other ideas?Assistant: Cut out church donations. Donate time instead. Break down that group as well. Is your car underwater? Can you sell it and get something cheaper?Human: My wifes car is a lease. Wasnt the smartest move at the time but she needed a reliable car in a hurry and it would have cost about the same per month to get a 6 year old used car and she did a lot of highway driving at the time so we wanted to make sure we got something reliable. We own my car outright so I suppose I could sell that and downsize.Assistant: Check out one of those lease trader sites to see if you can get rid of it. Can you break down the other expenses? Church?Human: Out of the 700 in other expenses, 160 goes to church, 150 goes toward diapers and formula, other baby expenses, about 250 for gas and about 140 for entertainment.Assistant: Church can go. As I said elsewhere, keep a log of how much you miss and volunteer instead. Talk to your priest. Im sure you can work something out. Gas is a lot. How far are you from work? Can your wife start breastfeeding now that shell be home? Cloth diapers will also save a lot of money. If you absolutely need to you can always reduce entertainment.Human: Shes planning on breastfeeding 2, it just didnt work out with 1 even though she tried for months. So that should help a lot. Gas is a lot because she commutes 30 min to work and I commute 20 min. But good advice, I will take all that into consideration. Thanks.  <response>: If breastfeeding didnt work out the first time, why will it this time? Its great when it works, my point is dont count on it working if she had issues previously Also, another baby means more diapers! 