Our expert says:
Good responses from other readers.
Don't let the stress push you into fighting with wife and child - its obviously not them that are causing the problems. But they must be understanding in accepting very careful budgeting and NO expenditure other than on essentials.
Find alternative and cheaper accomodation, and explore how to do this without losing as much as possible of what you have alread paid towards the house. The car is necessary for your job - is there a cheaper car you could exchange it for ? And explore such options, including trimming the household budget, with your wife. two.stone has been there, and outlines a realistic and successful approach.
You can and WILL make it !
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