[Lonewolf]

I think it might be useful if you can post a detailed review of your income vs your expenditures (if you feel comfortable enough doing that on this board). You would be surprised what a group of frugal minds can do to find savings where you might have overlooked. Potential Car insurance changes, are you paying to much for life insurance, etc.

Although I can empathize with your plight, as I have two little ones (3 months and 20 months) who are both in daycare, I think it would be worth inspecting before having to go to such extreme measures.

Good luck, and take the time to enjoy those little ones, they sure seem to be my central point for stress relief.

Wolf