<prompt> Human: Hi Reddit! My name is Melissa and I need help! My boyfriend is a long time Reddit user and recommended posting something on here for advice because we dont really know where to start! So first things first I am 39 and just a couple days ago found out that I was pregnant! I have had another pregnancy before and had twins so I do know all about having children. What I need help with is finances. I just recently left my job for personal reasons and have decided that I would love to be a stay at home mother again, the problem is though, my boyfriend and I are in debt already. He receives a paycheck once a week and is full-time, but gets a lot of overtime some weeks or none at all so having a budget for him is a little difficult at times. We budget in what he makes before overtime for bills, whatever extra he makes we pay towards our credit cards. Here is what we are currently paying, keep in mind I have been helping with bills when I was employed. For me I am paying 950 alone for credit cards, medication I lost my health insurance because my job was providing that, car insurance, loan payment.My boyfriends bills are about 1900 a month. That includes rent, car insurance, loans, electric bill, phone, cable, internet, gas for his truck, and food. So all of that adds up to lets say 3000 for bills a month. My boyfriend brings in 1,684 a month with a 40 hour check. With overtime well say 2,000. We have a lot of credit card debt from both medical and vehicle emergencies. He also has loans from when he moved out on his own to get an apartment. So as you can see we are a little stuck and not making enough money to cover all of our costs. We also dont have much wiggle room in our budget, everything we spend is mandatory. Were thinking that government assistance is the only way to make this work but weve both never been put into this kind of situation so this post is just kind of a way for us to get a kick start on our new life together in the most best way financially! Any advice is very much appreciated! Thank you!  <response>: Youre already spending way more than youre earning, and another kid is going to make it worse. Your only options are to earn more money or spend less money - preferably you need to do both, and soon. Is it true that everything you spend is mandatory? Do you really need two cars? How much are you spending on food and rent and could your reduce it? Have you tried applying for Medicaid, WIC, food stamps, things like that?Even if you want to be a stay-at-home mom which would be a bad idea under the circumstances, but whatever you need to get a job now before you give birth. You need money now pretty desperately and cant afford the luxury. 