We are a family of five - mom, dad, 13-year-old daughter, 7-year-old daughter, and 5-month-old daughter - struggling to make ends meet on my teacher's salary. My husband has been unemployed for almost two years now. I just came back from maternity leave, and because of how the pay schedule works (it's a long and complicated story) I'm now making over $600 less per month. We just don't make enough to pay our bills each month. We are months behind on our car loan, and are days away from getting our electric and gas shut off. My husband has looked for work, but has only been able to find jobs that would pay less than what we'd need to put the kids in daycare. I've tried taking on an additional part-time job at a near-by church, but now I'll be away from my family for over 60 hours a week. We just need something to get us caught up! If we were at "0" then we could stay on top of things, but being behind is just killing us.