You can be making more money. It seems like your salary is stagnant since you are working at the same company. Start looking around for what you can possibly g

You can be making more money. It seems like your salary is stagnant since you are working at the same company. Start looking around for what you can possibly get and start interviewing. When you get 2-3 go to your current employer for a counter offer and then decide what you want to do Other than that: you are paying mortgage and not rent. so you had some large sum of cash in the past (to apply for the mortgage), I'm guessing that it got spent on monthly living? you can try to talk with your bank/mortgage issuer and lower monthly returns but making the loan longer, calculate the added interest before doing this though Looking at your expenses you don't have a lot of things you can legitimately, kids are expensive. you might be able to cut your food costs by a couple of 100's but that won't change the outcome that much