Please don't suggest "cutting back" or getting another job- it has all been done

debt consolidation helps in such situation.

i will suggest you to fight on.
you seemed to be determined one

You say not to suggest cutting back or getting another job, but I did want to tell you about a thread I just started in General finance about ways to save or earn more money a month. Some of the suggestions aren't much fun.

You didn't say if you have children or what kind of a job you and your husband have. I wanted to tell you about one other job that people don't always think about.

Assuming you have lived a very straight life, there are organizations that pay you a wage for sleeping. By law, they must pay you minumum wage, more often than not, they pay more than that.

These jobs often deal with clients who are developmentally disabled (formerly known as mentally retarded). I worked in a place such as this. The hardest thing is usually they have someone who sleeps in 4-5 nights and they need a relief person or someone who will float from house to house.

My shift was 10 1/2 hours, so usually I got a decent night's sleep. The mornings were a bit hectic and sometimes all three clients could be a handful, but it was a good job to have while going to school.