Financial advice?

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Since you are unable to pay less on the house, you will have to pay less each month in other areas. If you are only buying the bare minimum necessities and can't cut back anymore, then the only option is to increase income.

You didn't say how much you were having to borrow each month for the payday loans. First thing is to get back to where you aren't having to do payday loans. If that's only a few hundred dollars, a quick option that you may want to consider is having a yard sale so that you can make enough to get out of that viscious cycle. Other ideas for quick cash to break that cycle would be to cut grass for people or clean houses.

After you get out of that cycle, one or both of you will need to get a 2nd job in order to catch up the bills you have. However, sounds like even once you catch up the past due bills and get out of the payday advance cycle that you still may not have enough income to make the bills month to month. In that case, you guys may need 2nd jobs long term.

Financial advice?

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Financial advice?

You and your partner will each need to get a 2nd part time job for about 6 months. Get out from under those payday loans as soon as possible. Start paying down your debt. As soon as you are comfortable, start easing out of the 2nd jobs. It will be difficult, but most of us have had to do it at some time in our lives...usually with a first home.

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Financial advice?

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