<prompt> Human: Hi Everyone, long-time lurker here. To make a long story short, last year I was working a job 42.5kyr that I needed to have a truck to be successful in. It was in construction project management and I had to transport materials in order to do the job. This year, I quit that job to go back into the field that I am MUCH better at because the other job was ruining my sanity and subsequently my marriage. We have a small car 2 door coupe thats paid for, but its only worth about 1500 at most.--Were looking at how to significantly lower our operating costs at home, and getting rid of our truck is the one that jumped out at us first. We owe 14,200 on it and our monthly payments are 367.82. Weve been paying on it for 12 months out of a 72 month contract. Were pretty upside down on this thing. Ive had it appraised at CarMax and they said its only worth 5k. Weve had no luck selling it online for what we see it advertised as with the same vehicle and the same mileage and in good condition. On top of that, weve found out this evening as we go to make this months payment that they didnt accept last months payment and didnt bother to notify us, so now theyre saying that were a month behind and have to make 3 payments by this time next month to catch back up.--Heres our details: I now currently make 1000 a month from a part time videography job. I work about 22 hours a week there, but its during the prime hours of the day Mon, Tues, and Thurs, so its tough for me to do anything else but more freelance videography or photography. The freelance gigs are still pretty inconsistent though. --My Wife is currently in the start-up phase of a nonprofit. She recently signed a contract with a partner for 7000 as a part of the services her nonprofit provides to another nonprofit organization. --Other financial details: Our Rent is about 700month, food is - 300month, and all other bills total out to 697.18. Annnd were out of our emergency fund. --Obviously, we need to cut our expenses and increase our income. Has anyone done a voluntary repossession? I dont see any more income coming our way anytime soon, so Im in scramble mode. Any advice is very much appreciated. edit:formattingAssistant: You only work 22 hours a week and not even 8 hours when you do? Time for you to pony up and get a second or third job or change jobs to a full time position until you pay for your obligations. If you go to full time hours you can easily catch up on your payments. Human: The place I work can only afford the 22 hours a week theyre paying me, unfortunately. Im about to be able to bring on a couple of interns to train to do my more mundane studio shooting and editing which will change how I have to spend my time though. Could mean I have to spend all my time fixing their mistakes lol but well see.  <response>: Get. A. Second. Job. 