Can you take in a roommate? After my bro in law and sister in law divorced, the only way she could make it was by renting a room to an elderly lady. The lady was clean, quiet and sweet. It was good for her as well because she was no longer alone and was able to live off her fixed income. // As your wife has serious health issues have you considered disability for her? // There are free credit counseling agencies (ones you don't pay for.) They may be able to help you with a plan and negotiate with your providers. They have more clout than an individual in negotiating. // If you can get a hold of Donna Freedman's "Your Playbook for Tough Times" that would be good. She is a black belt expert in frugality. // I'm sure you cut back in every area you can think of. Some less conventional ideas are in The Tightwad Gazette. It may be out of print but is the kind of book available at the library or through interlibrary loan.