Think about how much money you are making. A great way to determine if your setting yourself up for frustration is to look at your weekly paycheck. The biggest bill most people have is their mortgage or rent each month. If your weekly paycheck equals or is higher than how much money you owe each month in rent or mortgage payments then you should be able to budget easier. This system allows you to have one weeks salary to go towards your biggest debt and the other three weeks to save and pay other expenses.
The third step you can take is to eliminate extra spending. This takes discipline on every one's part living in the house. This means not giving into midnight cravings, stop having lunch out while working, doing your own nails, giving up that four dollar coffee, or living without some cable for a month or two. OH IT IS POSSIBLE to live without these things, even though some may protest. If you are serious though about helping yourself and your family get out of this financial crisis you need to stop being selfish and get with the program. Financial crisis is hurting many people right now, but you can change what you spend your money on and take steps towards financial freedom. There are times when you have to keep a tight reign on your money and every penny will count. This will not be forever but in order to get control of your finances you have to get in control of your life and spending habits.
Lastly, keep up with your current bills. If you get behind do not get discouraged, but refusing to pay off smaller bills will only get worse over time. A twenty dollar bill on your credit card can grow to two hundred in a few months if you let it go. Do not let things go when you get to this point in your life. This is a time when you need to stay proactive and keep on top of things. Throwing your bills under the table will not make them disappear, that is irresponsible and not smart. If you have to consolidate to give yourself more reasonable payments than do so, there are many great companies that can help you have one reasonable payment for a few years. Consolidating will help you also with easier budgeting each month. It is possible to sleep at night....it is possible to not have a nervous breakdown.....it is possible to get through this and still have your marriage....it is possible to get through this!!!