I think you sit down and budget. With no credit cards, no car payment, and low house payments you need to determine where you are bleeding all the money. I know 4 kids is expensive. It's good you aren't running up credit cards. That only makes things worse. Eating fast food? Cut that out if so. Also, don't buy the expensive prepackaged microwave meals. Buy the lower priced basic foodstuffs as much as you can, and cook from scratch.