<prompt> Human: We are living on just my income for the foreseeable future. My husband is staying home with the baby. His earning potential is minimal, so Im certain that we are better off with him at home. On months when overtime is available, we are comfortable and even have a little extra to set aside. On months when overtime is not available, things are very tight. Ive been doing everything I can to reduce expenses. Please look at my budget and see if theres anything else I can save on. Im using YNABs method to budget. My take home pay is 3200month. This is after gym fees, healthdental insurance, and short term disability insurance. Mortgage...363 includes taxes insurance Internet...65 Electric...280-350 Varies Water...45 NetflixHulu...16 Spotify...10 Cell Phones...44 just switched to Ting Car Insurance...99 SewerTrash...45 Truck Payment...322 Student Loans...781 Groceries...400 Fuel...150 varies Spending Money...200 100 for each of us Restaurants...30 one meal out each month Medical Bills...100 Medications...58 Pet Care...25 Kid...25 misc expenses for our 1 year old Yearly...34 Expenses that hit yearly, car tags, etc Christmas...50This adds up to slightly less than my month income, but something always comes up to ruin it and doesnt give me anything to set aside. When our electric bill increases with summer, it will put me in the negative once again.By working overtime, Ive managed to get 1000 set aside for needed repairs on one of our vehicles and 2500 for a buffer. My goal is to get 3200 in the buffer and then start building an emergency fund. When I work overtime, I can manage setting money aside easily, but it comes and goes and some weeks Im lucky to get my full time hours. I would really love to get to a place where I dont have to rely on the overtime and I can make ends meet and be comfortable with what I make. The only other things I can think to do are the following:1. Cancel our Internet and resubscribe under my name to get a new subscriber discount. This would be a huge hassle, but it would save us approximately 30month.2. Sell our truck. First I must repair our car and I need another 400 or so before I can do that, plus help from a family member. This would be a huge savings, but Im having a difficult time figuring out if its the right move. For one, we just went through bankruptcy, and I reaffirmed this debt. Paying this is helping to repair my credit. If I were to need another vehicle, it would be difficult to get a loan and it would be a high interest loan. Its a good vehicle, a Nissan, and if I keep it I will drive it for at least another decade. I have 2 years left to pay it off. We could get by with one vehicle. I live close enough to work that car pooling or public transportation would be easy. This would save us 390month, plus fuel savings as our car is more efficient. I owe less than what it is worth at this point. Im back and forth on this. What is the best option? That extra money would make us much more comfortable in the short term, but in the long term I feel like its better to keep the vehicle. It also allowed me to get to work when we had massive amounts of snow this winter. I like the security of that.3. My student loans are as good as they are going to get. They are private, they are in default and I must continue to pay this to keep Wells Fargo at bay. My husbands are private and federal, so I suspect that there is something more that could be done here. I am urging him to call them and try to arrange something else. These loans are killing us. 4. I just thought of discussing with my husband the possibility of selling our elliptical and bowflex since they no longer meet his workout needs and we are paying for a gym membership. I have also been urging him to sell his fun car, his Gremlin. He is agreeable, but slow to make moves on this. This is short term help. They dont eliminate any monthly expenses. Note: The gym membership includes child care, adding to its value.These are things we are doing or have already done:1. Cloth diaper and breast feed our child. Hes one so hes drinking cows milk now. His wardrobe is hand me downs from friends. His toys are hand me downs or from yard sales.2. Switched the cell phone plan from Sprint to Ting and saved 100month.3. Eat most of our meals at home. 4. Minimal money spent on entertainment. 5. Sell things around the house on Craigslist and Facebook when possible. We make various amounts of cash for this. It helps. 6. I coupon at Target when the deal is right and its something we would buy anyway. 7. Groceries are almost exclusively from Aldi.8. No cable. Ever. Weve always been cord cutters.9. Went in on a whole cow with friends, we got a quarter. The savings and quality of this was really astounding. I constantly read frugal blogs and tips and tricks to save money like Im going to find one more carrot of wisdom that Im missing. I want to be comfortable. I want to not rely on overtime. My relationship with money has totally changed in the last year or so and I want to make things work. My husband and I only recently combined our bank accounts. For the first time in my life, I have full control over the finances. I must make this work. Thanks in advance for any advice. TL;DR: Im going to have to sell the truck, arent I? Its the only way. Now that I think about it, two more years of struggling and worrying about making the payments really arent worth it, are they? Gah. Edit: Thank you to everyone for your thoughtful responses. I have a list of things to look into that I discussed with my husband tonight. Heres where Im going to start. 1. Continue to look at selling the truck, dependant on what sort of income my husband can bring in. If he ends up getting a part time job with flexible hours, we will need the second vehicle. If he can make a little money, making the payments for two more years seems worth it. Plus, I can put off the repairs on the car for possibly another summer as long as we still have the truck. 2. Do what I can to decrease the electric bill. My power company will do an energy audit for 50. A little more research told me that we may qualify for assistance with energy updates that include insulation! Ill mail off this application on Monday. Ill clean the dryer vent and consider the Kill A Watt if the energy audit doesnt give us the answers we need there. We are turning off more lights and discussing other ways we can lower the bill.3. Call our ISP and push for the lower bill. If they decline, I will call their bluff and cancel so we can resubscribe. 4. My husband will call about his loans and research new possibilities there. 5. My husband will look into including babysitting, Mturk, survey sites, secret shopping and voices.com. 6. Sell that darn Gremlin and the Bowflex too. Hes not willing to give up the elliptical. Thanks again for reading and providing such excellent suggestions. Well make some changes and hopefully see a difference. If we can reduce our expenses a little more and also make just a little more, we will feel the difference.  <response>: Perhaps your husband could babysit for another working parent in the area? 