My husband and I have been married for 12 years and have 3 kids, 11, 9 and 6 years old. He has worked for the railroad for the last 10 years and has been gone most of our lives together and our children’s lives since they were born. The problem is not only that he is never home but we also have not been able to get ahead at all. In fact we have dug ourselves deeper and deeper into debt because of all expenses and childcare over the years. The cost of living has sky rocketed while our wages have been stagnant. I also work a full time job and have been with my company for going on 12 years. We just cannot seem to get ahead in any way. We almost lost our house a few years back due to not being able to pay our mortgage and because our credit is so bad that we can’t even get approved to refinance to a better rate. I just feel we have worked so hard to get nowhere and we are both ready to give up. We owe a little over $103,000 on our house and we also have about $70,000 in other debt which include our student loans and car and credit cards. We also almost lost our little boy a few years back which has made us realize what is most important and that is being with our kids. But there is nothing we can do to bring my husband home and he has fallen into a major depression because of it. On top of all of that his company has gotten rid of all kinds of jobs which has put my husband right back to where he was when he first started there. It just seems nothing will ever get better and we are just at the end of our rope. All we want is to get out of debt so we can bring him home to find another job that allows him to be home every night with his family. I just don’t know what will happen if we can’t make that happen any time soon. I know it could be a lot worse and we are happy with what we do have but why work so hard to literally get nowhere, in fact to just keep digging ourselves a bigger hole. We have never even had a wedding or honeymoon or have never been anywhere together just him and I. All we want is to be comfortable and nothing more; we are very simple people and do not need much in life. Any help from anyone would be so greatly appreciated. Thank you.