The first thing you need to do is relax and try to keep a positive mind. You're never going to get what you want if you're constantly focused on what you don't want. This is the Law of Attraction. You attract what you think about. This is true. So, make a plan for you and your partner. Write down a list of all your wants and needs and then prioritize them. Look at all your bills and spending paterns. Are they necessary? Check out this iste for more information on how to get out of debt:

www.credit-card-loans-debt.com/

Oh boy you get 1200 a week i love that to live off .i be over the moon .I think you just have to sit down and really work out where your money is going .As most of  us  have a car payments  credit cards  or morages to pay if not rent , as the other things  to pay out   for kids  and living exspences.

We all made it though one way or the other  , weather we have one or ten children  it just sitting down and doing a budget  and going without  the things that are a  treat , which you   can save up and get later . well all best  to you and hope things go well.

I for the longest time could'nt for the life of me work out why my budgetting didn't work....finally the penny dropped.  We got paid fortnightly and were paying our mortgage monthly.  What was happening was that the mortgae almost consumed one entire pay leaving us playing catch up with the next pay and so on and so on.  We changed our mortgage to fortnightly so it came out the day after pay went in, we borrowed a bit more to wipe out the maxed out credit card and hid the card for emergancies only.  Then my budgeting began puting us in front.  I took every single bill and broke it down into fortnightly payments.  The electricity for example worked out to be about $70.00 per fortnight (generous), every time the pay went in I gopt on the computer and b-paid everything wether it was due or not, it's sooo wonderful to get an account in the mail that says they owe you $4.53 or more, or you only owe $2.84.  Hubby and I sat down and worked how much we needed of personal money, working this out was difficult as hubby thought he deserved more because he drank and I don't much, he smokes twice as much as I do, he choses to drive his car in and out of work instead of taking the free bus.  I told him I get what he gets because he might do 4 12 hour days (at the time) out of 7 but I do 7 14 our days, and is he saying my time is not worth as much him????  Not much he could do with that.  I like op-shopping and garage saling so my money was used for that and my cars fuel and ciggarettes.  We got it down to $250.00 per fortnight.  Hubby ALWAYS went over it and borrowed money from mates (I hid his ATM card when he took his allowence out) & slowly learned his lesson when I made him pay it back out of his next allowence and didn't give him extra.  We managed to always be ahead in our bills, paid extra on our mortgage and had $50.00 a fortnight going into savings.  We had a couple of personal loans (to Mum etc) that we were also paying back fortnightly, so all up we ended up doing very well.  hubby now has a heaps better paying job and we, I still pay the bills on pay day (which is now monthly) and we are saving more etc.

get one personal loan to consolodat ALL your debts...loans, credit cards etc.  keep one credit card that has a low limit like $500-$1000.00max and hide it..cut up any others....(if you use them you are living above your means and need to curb your lifestyle).   Have your loan re-payments come out the day after your main (highest) pay goes into your bank account and then as I do pay everything bill due or not (even child care).  Don't forget to factor in your groceries, any insurances that are direct debited and a few $'s per month in banks fee's etc.

Planning your meals in advance helps you to make your shopping list and sticking to your shopping list will stop impulsive purchases etc.

Hope this helps a bit.

We used to have a double income in a week we were bringing in well over $1500, we had our first child and were living very well, 2 months before my second was born my husband lost his job and my company went under.  My husband got a job from a mate working retail but was on only $520 a week.  We lived like this for a while, we then fell pregnant with our third.... he then left that job for another better paying but this was comission only so some weeks we had no income.....  How do you survive, you just do, when you budget and you look at what you need and not what you want its amazing how money can go so far.   I don't know your situation with a mortgage or whatever you commitments may be but believe me on a wage like that these days your one of the lucky ones.  But as someone else said when your a single income family you do get a hell of a lot of help from the government.. Good luck

Hiya

Is it just me or does $1200 a week sound brilliant? I would love to have that! Umm, u say u r shelling out for private health, child care ect, most people are also paying for this stuff but on 1 income. Where else is your cash going? I can get by on around $800pw and it would still include most of those thing except private health ( its a sham i rekon) and this is with 2 kids, 2 cars and a mortgage. I think it might be worth u looking at doing a budget just to see exactly where ya money is going and then go from there. People have to live by their means. What state r u in? I know the eastern states cost of living is more than here in sa. Look, if this is really what u want to do, then u need to make it happen by cutting back where possible. U will be surprised on what little luxuries u can live without. It is hard these days to get that 1st house and I really feel for those who just can't get there, seems unfair.

Im sure u can make it work, goodluck

Jo xx

As I am a stay at home mum and have not worked since I was pregnant with my first child almost 15 yrs ago ,we now have 4 children.We do manage  we have had many struggles  along the way .We had a lucky break 3 yrs ago and were able to buy our first home.So we now have a morgage and other bills coming in all the time that have to be paid.If your child is now in daycare you will no longer have that weekly bill.If you drive a car to work now you will also cut back on your fuel costs, big savings with the price of fuel at the moment.I do not go out alot and I don't spend money on unnecessary things,our children do have some of the modern day luxuries Xbox, play station and other things but they are loved and have a great family life and that dosent cost a cent.We manage on $800 -$900 a week most weeks but the other thing is if you decide to leave your job to become a full time mum you will get extra payment from the goverment for your child and also the $3000 - $4000 when you baby is born,if used wisely I believe it can go along way.When we had our children there was no such thing as all this money new parents get these days.I am assuming you are in Australia but as you are anon I can not be sure.If you are not well I dont know sorry.As they say we are in the Lucky country.

                                                Good luck Cham