This. Sure, if you get an advance on his pay you'll be fine NOW... what happens when his next pay comes and is short that money? What happens when you need to buy stuff for the baby, pay for doctors appointments, etc? Take whatever you can for the iPad, sell the camera, cut to one car. You may not pay the insurance, but surely you pay for gas for both cars? MANY families get by with 1 car, saying you *must* have two is silly.