<prompt> Human: Lurker, first time poster, formatting, etc.So here is my situation. 2 years ago my wife and I both worked, total made about 30,000 a year. We were living in my grandmas house we had moved in after my grandpa died to help her with bills, paying about 600 a month in rent I say about because it was basically variable rent, we just took the bills and split them in half. My deadbeat brother and his wife were about to move in because my grandma told them they could live there rent free, so we decided it was time to see if we could get a house of our own. At this point we had been married 3 years, together for 5, had about 3000 in savings. We heard about the USDA Rural Development home loan, so we figured why not try and see if we could get it. We were approved and picked a really nice to us at least house for 131,500. Payments were set at 1000-ish but they also subsidized our payments, making the mortgage 725 a month. Not bad. Combine this with our agreement with the seller, we only had to pay for an inspector 250. We move in, and night 1 the basement floods. Long story short, the previous owner thought himself a DIY genius and had a doggy-toilet installed under a built in kennel. This was a PVC pipe that was cut in half, then connected to the main line of the house under the back concrete patio. No screen or catch was added, resulting in the tree helicopters and dirt and grass and crap running into the drain, clogging it all up. So that cost us about 500 when it was all said and done we first got ripped off by a bad plumber, then a good one came around, but he wasnt cheap. So now our savings is looking closer to 2000 we also had to buy a washer and dryer, plus food and stuff, we really wanted to stock up. Then, summer starts to hit, and we noticed that we have bites all over our legs. Turns out, we had a big time flea problem in the back yard. To get rid of all the fleas in the house and yards, out another 850 down to 1150 in savings. Add some jerk neighbor that was stealing our power he moved right before we figured it out we were out another 900 for electric bill we spoke to a lawyer about it and since the guy used an extension cord we couldnt really prove it wasnt us or something, I forget now but I know he essentially told us it wasnt worth trying to battle it. So now savings is down to 250. Because of that unforeseen expense, we had to use savings to cover other bills.We then had a child, upping our expenses.Cut to now, we are in it. What we owe and are paying off - 1500 Auto Loan 200 a month 3 payments behind12 payment behind1500 Student Loan 50 a month1500 Store Card Nebraska Furniture Mart This account is actually closed, we are paying the rest off 225 a month4100 Best Buy Card I got this when I was much younger and very irresponsible with money Minimum 150 a month Bonus, no late payments on this one128,000 and some change USDA RD Loan Mortgage 725 a month behind 325125Normal Bills - Electric normally 15085 a month looks like the highest it ever got since this time last year was 125Gas 40 a month average, higher in the winterthe highest its been since we moved in was 55Insurance Life, Car, Homeowners 250160 a monthGasoline Car 8050 a month, roughlyFood roughly 10050 a weekInternet 60 a monthEntertainment Netflix, Hulu 2520 a monthWater 5025 a month billed every 2 monthsTrash 157.50 a month billed every 3 monthsI think I got it all.I now make 25,000 or so a year. Ive tried getting a debt consolidation loan from my bank, but they said I have too much debt well, yeah. My wife no longer works, she is a stay at home mom. We discussed her getting a job, but unless she can get an awesome paying job unlikely, we share a vehicle pretty much everything she makes will go toward daycare we have a 3 month old. I just got a letter from USDA saying my subsidy was not approved to be renewed, and my car is acting up I need new brakes and my muffler just came loose, so Im feeling just plain ol fucked.Hopefully I gave enough info, it may seem like a lot but Id rather give too much than not enough.So, what can I do? Any advice would be awesome.EDIT:Forgot some things:We are on WIC.We have a roommate. He pays 350 a month.EDIT2:Everyone, I sincerely appreciate the advice, no matter how blunt or harsh it may seem your words, not mine. Based on what I have gotten, here is the plan:1 I am getting an additional job.2 My wife is looking into working from home.3 We are getting rid of Netflix and Hulu, maybe even the internet altogether4 We are selling pretty much everything we can5 Cranking that AC up to, at the very least, 786 Upping roommates rent to 375, for now, he agreed to go to 400 in September7 Talking to USDA to see why our subsidy was denied in the first place, looking right now to be that when we re-did our paperwork adding our child his SSN got messed up, so they thought we were trying to pull a fast one, or something.8 Looking into a home loan modification researching currently9 Wait an entire month with the new system, then build a budget based on that system and new bills dont want to build a budget based on old dataI will update and let you know how this works out.EDIT3:I went home for lunch, and took a second look at my bills and receipts and I was a little off in my first rundown. See edits there, BUT I still plan to take the steps I stated in EDIT2.  <response>: Your wife needs to start waiting tables at night or running an in-home daycare center. No offense, but shes had 3 mos. to relax with the newborn - its time for her to get back to work.Honestly, youre doing a terrible job of prioritizing your expenses: letting your car payment fall behind while keeping the Best Buy payment on time is pretty irresponsible because your car can be repossessed - its a secured loan. Focus on your familys needs first, keep the car running, and if youre short then let the credit cards fall by the wayside.Bankrupt without a way to get to work is worse than bankrupt with transportation. And yes, your situation really is that bad. 