I totally know what you mean. My wife and I are just finally seeing the light at the end of the tunnel, but for a long time we were living paycheck to paycheck, in the red basically every week. Sometimes it really, really sucked. Sometimes we'd just sit there and want to just give up. It would cause all kinds of problems in our relationship even. All I can say is keep trucking. It will get better. Life is so much more than bills, debt and paychecks.