Increase revenues, less expensives, that is fit for your case.
However, where is the payment for the loan of $150,000?
Monthly payment at least is $6,250? (How to settle this issue?)
Insurance: $2,000 (cut asap)
Worker: $4,000 (cut asap)
Husband fee:3,000 (transport fee seems just under $800 + 200 (phone expensive)), can save $1,000 - $2,000 which bring rice box for the lunch etc
Wife: 2,000 (transport fee seems just under $800 + 200 (phone expensive)), can save $1,000 which bring rice box for the lunch etc
Course for the younger child: $3,000 (should be cut)
Also advise 大樓換細樓 for less expenditure. To pay the loan?
To have more part times as increase of your revenue in your spare time? (Husband)
To review of your breakdowns of expense in 2 weekly.