Gosh, I don't even know where to start.  My husband and I make a seemingly moderate income.  By that I mean we make enough to get by without going into debt, but if we ever needed money for an emergency we wouldn't have it.  And right now I feel like we have come face to face with a big emergency.  God this is hard... I feel like I'm begging.  We live in a small 2-bedroom apartment, we've been trying to find a house, but I don't have the best credit and we've found it quite difficult to get a house sized loan on my husbands income alone.  After all is said and done (bills, groceries etc.) we only have about $100 dollars left at the end of the month.  We have been using that money to pay off my old debt so we can get a more sizeable loan.  Just last week I went to the doctor and found out I am pregnant, with twins.  While we do feel very blessed, we're also very overwhelmed by the current situation.  We have a son who will be 3 in August, and the babies are due in October.  We have two mid-sized cars, neither of which has enough room for three car seats, and with gas prices what they are we can't afford to drive both cars everywhere we go as a family.  But just like with the house we cannot get a vehicle loan on my husbands income alone.

I would never expect someone to buy me a house, or a new car for that matter.  But at this point I don't know where to turn or what to do.