Since I can related to what you are going through I thought I would suggest a couple of things that I did recently to help us out when my work hours were slashed. The 1st thing I did was look around for better insurance rates. I found a great deal that saved me over $80 a month. Next I called my internet provider (AT&T) and told them I was looking for a better deal. Turned out I got a home phone put in and a high speed U-verse modem through a deal for $26 a month. On top of that they gave me a $100 debit card to cover installation. I was paying $40 a month just for internet and no home phone thru them. Just some ideas. Hope they help.