We are in the same boat as you that are living paycheck to paycheck...if you want to call it that. I just recently went back to work full time and my husband has been paying all the bills for quite some time....now however we are starting to get behind and no matter how much we try we just seem to be sinking deeper and deeper. Of course I did not know that we were in such dire straits until the other day. My husband manages all of our money because I can not...I get reckless with money and want to spend spend spend. I hope that everything works out for you....