[Hypersion]

Sorry, it's my fault. Blame me.

Seriously don't waste any energy on assigning guilt, you can't go back in time and change history. You have a problem, try and solve it.

Can you baby-sit other kids from home? Have a one-car family? Get some roommates?

"We live paycheck to paycheck. We have NO savings. We have no money to do things with our children. I've looked for help on other websites with general inquires and they are very quick to point the finger at my husband and I, saying it's all our fault. Well, yes. Neither of us are very good at sticking to a budget. In our youth (the majority of our bad credit is very old) we were also guilty of not minding our credit very well. But I don't know if this is all our fault. "