<prompt> Human: My family and I are at the end of our rope. I make roughly 2,100 a month. Our cc payments every month are 650.00, rent is 750.00, two car payments are 365.00 a month we are unable to go down to one car since I am trying to find a second job and I use my small truck for side jobs. With paying all of our bills every month we are still in the red by 254.00 every month and that does not include buying food. Usuall food gets put on to a cc. We have applied to debt consolidation loans but have been denied. I have had 12 hard hits on my credit in the past 16 months. Do I have any options left. Assistant: I should probably add some more info my wife is a stay at home mom with our 3 kids. The amount of money she could make would just go straight to a day care or for private care. She does not have a degree or any real marketable skills. So she would be waiting tables in our small town  <response>: What about working opposite shifts? Can she work nightsweekends while you work days or vice versa? Even just part time would help. 