I agree with the others that there is some fat to cut from your spending: cell phones, direct tv, storage unit. I'm also wondering about that $600 child care bill if your mom watches the kids all week.
Certainly, the bigger problem is all the debt. I'd seriously look into selling one or both cars and replacing them with something cheaper, even if you lose money in the process. That will require that you have some savings to cover the shortfall on the loan, though.
The interest rate on the HEL jumped out at me, too. Why so high? Can you refinance? What is your credit score like?
What was the cause for the HEL?
I'd also be looking to sell everything that isn't nailed down to raise money for debt repayment. I'd also be looking to boost income any way possible" second jobs for sure.
ETA: What is TCA, by the way?
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Steve
* Despite the high cost of living, it remains very popular.
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
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