<prompt> Human: Back in August we wrapped ourselves into a 30 year FHA mortgage, 3, for 200,000. My husband was making 650 a week, and the mortgage was set at 1,208 a month. Skip ahead to now, his pay has been docked 130 a month towards health insurance, the house that passed inspections and the 9 yards is costing us more than we ever imagined. We have ambient heat, and our electric bill was over 550 for the month of November. Add in cost of a two year old, newborn baby, and me I have POTS syndrome, Im anemic, just had surgery,cant work yet, no disability, trying to finish bs in healthcare IT I think we are screwed. We have medical bills out the butt, insurance, 8k in card debit, and horrible credit from medical bills. We dont qualify for any assistance yet are barely making ends meet. Im frugal beyond belief, but even more scared. Any ideas? Mortgage is due the 16th, but we also somehow had 785 overdraw from bank account and that is due by the 1st of feb. any ideas help  <response>: Not sure how you define the American Dream but your mortgage to income ratio is extremely high. 785 overdraft didnt somehow happen, so either you or your husband should own the mistake. 