I'm first! Haha! Good luck, it is tough to raise kids when money is tight. I look at it this way: learning to live with less is a life skill. When I was a kid, my Dad went from a $75,000 a year job (in the 80s) as an international water well drilling machine salesman to being unemployed for 4 years. He wasn't a stranger to hard work and did odd jobs until they sold the house(on the market for 4 years) and he could afford to start his own well drilling business. Becoming poor didn't go unnoticed by us kids. But I consider that period of being at the bottom rung as a valuable experience. For those who have had plenty, it is so difficult to move down, unless you have been there before.