<prompt> Human: Like the title says, I need some serious help. My wife is in grad school, she was working part time and trying to pick up extra shifts at the hospital but for the past 3 months the patient load has been incredibly low and she keeps getting low censused sent home so her hours are barely showing up now. I make a little over 60,000.00 per year, take home roughly 3,000.00 a month. Total bills per month not including CC payments is roughly 4000.00. Our emergency fund has been completely depleted and Im looking at a very bleak fall and winter if I cannot figure out what to do. Sadly weve only lived in our house for about 1.5 years so we dont have any available equity to do a line of credit. Please, any help would be greatly appreciated because I am at a loss of what to do.EDIT1: Monthly Bills Mortgage 1283.00 Daycare 1600.00 ElectricalSewerWater 140.00 Honda Odyssey 570.00 Toyota Prius 187.00 Chevy Silverado 240.00 currently selling Internet 65.00 Charter, no tv, no landline Cellular 144.00 Gym 55.00 Water Softener 44.00 Insurance 124.00 Credit Card Debt Menards 5350.00 Cabelas Visa 1930.00 Barclay Visa 990.00 Target 800.00 Amazon 445.00 Student Loans My student loans 356.00 starting in November I had a lump sum SL assistance from work that paid ahead for most of the year Wifes student loans are not a concern, she is still in school and is part of a program that will pay for her loans as long as she works in a high need area which she will be doing after she graduates, as a nurse practitioner. Income Me 63,000.00 health insurance, vision, dental, and roth ira come out of my paycheck, take home is 1495.00 every 2 weeks. Wife 35.00hr EDIT2: Thank you all for the advice so far. To clear up a few repeating questions: We have 3 cars for the simple fact that my truck has not sold yet. Prius was purchased at the beginning of the month for lowering commuting costs. Opted not to trade in the truck because I can get substantially more for it by selling. We owe less than 3,000.00 on it and the remaining balance after sale can be used to knock down some more of the CC debt. Last year was the first full year where both myself and my wife were working, living in a low cost area, and able to put back savings. At full time she makes 65-72,000.00 per year. She dropped her hours to part time but remained at the same schedule by picking up extra shifts in order to maintain a job but have the ability to free her time for school if she really needed it. Patient load at her hospital last year was normal and we never really saw any affect from her being sent home early once or twice a month, however this year patient load has been almost nothing, she gets sent home or put on call 3-4 days per week. The extra shifts she signs up for dont help for the same reasons. She has been applying to other clinics, hospitals, etc for anything she can but nothing has paid off yet.  <response>: You need to itemize your expenses for us before we tell you what to get rid from your life. 