If You Do/If You Don't

What's the best way to resolve our current predicament? Financially, something needs to change. Our debt, and/or living expenses is almost equal to our monthly income. How can that be? Oh, and then if you factor in gas prices, food costs, and diapers we're over-extending ourselves. I work two jobs and am currently looking to replace these low-paying jobs with jobs that can pay the bills and allow us to eat.

As my father is prone to say, and Albert Einstein agrees, "Insanity is doing the same thing over and over again and expecting different results."