Is there any way that you could cut down a few more of the monthly expenses. Even not cutting them out completely, but lowering them. For example, do you really need a landline phone AND a cell phone? Perhaps you could downgrade or cut one of them out completely. Your grocery bill is another thing to take a look at because most people could definitely cut back there. If you eat out a lot, there's another thing that could be cut back on. And most people don't need any more clothes (with the exception of the growing toddler) and will be fine with what is in the closet. The kid's close could be found cheaply used from thrift stores or tag sales, even hand me downs from friends/family.
Also even though you have a pretty good income, any ways to increase it. Perhaps you have junk lying around the house that could be put on ebay, or taken to a local flea market.
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