My income is less than my monthly expenses. I always pay my mortgage, and ulitilities and groceries because if all else fails at least I'll have a roof over my kids heads and food in their bellies. But my car payments and credit cards - I'll pay some this month and then next month I'll pay the ones I didn't pay this month. Of course I'm getting nowhere and there is no end in sight. I have tried to get a second job but then my childcare expenses go up as well so again I get nowhere. I'm starting to think maybe I should be considering bankruptcy? My credit is ruined already so i'm starting to think i don't have much to lose.