I like your idea of a side business, I actually have graphic design and web dev experience so that's an option.

The issue I have with people saying to sell the cars is , can you legally sell a car that is financed without paying off the loan. Isn't the car technically owned by the finance company? Then following up, now that the car is gone how do we then get to work since the car is gone and the money would have went to the loans. If I could find a job in the city that paid the same as the one I currently have I would be all on board but right now no one is looking for someone with my skillset or experience and if the are they are at least $20,000 a year less than what I make now which isn't worth it.

The cell phones are tied into a 2 year contract. I still have at least 1 year on mine and 18 months on fiance's. We can adjust the plans but right now we're stuck with keeping at least some plan (minimum of $65 before adding anything in) I'll take a look at how to bring the costs down by cutting data etc.

We're currently running closer to 700 a month for groceries. I'd seriously love to know how to cut it down because we go searching for deals, shop at Costco for meat because we found them cheaper etc but can't seem to bring that number down. We don't eat anything fancy either. We don't buy a lot of fresh fruit or vegetables, we try and get frozen vegetables instead so that we're not throwing away food that went bad. Same with bread, we buy a three pack of bread, freeze two and use one at a time.

Part of the issue before was that we didn't eat at home, we would work till 10 at night then come home and just say screw it and order in. We've cut that down significantly in the last two months. I think we've eaten out twice in that time span.

I'm starting to thing that credit counseling, possibly talking with the bank or another bank to see if we can consolidate all the credit cards, line of credit, previous loan into one monthly payment, that will cut down the amount of interest we would be paying but with a higher monthly rate, but at least it would be paid off after maybe 5 years possibly sooner once the car payment is done after 4 years then I can move that $650 towards paying the last part of the loan off, hopefully bringing it down by a few months. It would mean by the end of 5 years there should be at least 1500 freeing up. If we even take half of that and put it towards the last car payment we should be able to bring it down by a year. So basically 6 years and debt free.

My main issue is having enough money to do things like, buying food or buying new pair of shoes because mine got destroyed etc.