We Need Help With Our Budget! Can You Help?

You can go for a debt consolidation program wherein a debt counselor  would figure out exactly how much debt you have outstanding and
everything about the debt. Then he would figure out which debt is
needed to be paid off first so that you do not end up losing anything
like your home or vehicle, so he takes care of that type of debt first
and foremost. After finally having figured out your entire financial
situation he would contact your creditors that you owe money to and
start negotiating with them in order to get your debt settled. And
there after providing you with the affordable debt repayment plan.
Where you have to pay only one single fixed payment per month. Thus you can manage and payoff all your debts in few years.
  

There is no point of taking a loan over a loan. You have to struggle hard and work over time. You also need to cut short your expenses. Make a budget stating each and every expense and look how you can manage it with the limited resources. If you are qualified you can teach kids and it is the most respectful profession.

Secondly, you can get help from some of your relatives. Take a loan on very easy conditions and start a small business if you can.

Take each bill individually and figure out how much it will cost you over a years time.  Then divide that by the number of paychecks received in a year.  That's what you set aside each check.  Don't forget the obvious, food, insurance, fuel, prescriptions, etc.  Also, just because it's not a monthly bill, still include it.  For instance, car insurance every 6 months? Double it for the year and again, divide it by the number of pays.