Sorry, long, but need advice.

[jIM_Ohio]

I'm barely sure anymore with my cut in pay, I'll have to double check.
Gross pay annually for my wife is about 55k, mine about 82k. (pre cut.)
Property taxes are included in the mortgage payment.
Day care is post tax, cash. Yes, we claim the tax credit. (whoopie.)

We are going to cut the down on groceries, other expenses. Child care, not sure how we cut down there, it is what it is, and honestly, $600 a month for care, (it's my son and one other child ONLY) is a steal. People around here pay up to 1k a month and more to have their kids watched by somone responsible for 5 kids. We have a great thing going with our provider.

The fact the $600 is post tax means it is costing you $750 in income to generate the $600 needed for the expense- does the child care credit get you the $150/month back?- That is how you cut that expense.

[arthurb999]

I’ve said it once and I’ll say it again…. you cannot afford that house. 130K in income cannot afford a 570K house. It’s killing you.
I know you don’t want to sell it but honestly you cannot afford it.
Sell it, rent for half that (move 30 min away to a more affordable area) and pay down your damn debt.