Hi there. I applaud you for having the courage to come to terms with your financial situation. i think such courage will help you do whatever it takes to get out of your situation. some ideas i have: 1) is it possible for you to cut back on your allowance to your parents from time to time? now that i am a father, i give my father $100 less on certain moments. if your parents could allow you to cut back for even $50, i think it will boost your morale if you channel that $50 directly towards repayment 2) there is a FB group that advertises part-time work. is it possible for you or your wife to take on some assignments during the weekends? https://www.facebook.com/groups/1687096224851730/?fref=nf 3) is there anything your wife could do to alleviate the pressure on grocery spending? for instance, i spend time doing surveys on this app called milieu. erm, because of my auntie tendencies, i also do surveys for Rakuten Insight Surveys. admittedly, it's slow going before i can gain enough points to redeem supermarket vouchers, but again, it boosts my morale when i use NTUC vouchers to pay for my groceries 4) track your expenses for 3 months using the Seedly app and see where you can cut your expenses. perhaps lower the pocket money you give to your children? David Morgan already suggested to bring your own lunchbox to work. my wife cooks the entire afternoon on Sunday, so i bring my bento to work every Monday to Thursday. every little bit helps stay strong and never give up!