Our finances are in a mess, what can we do?

Our finances are in a mess, what can we do? My husband (64m) and I(57f) are in a financial mess. We acknowledge that we have made mistakes, but are now at a loss to figure a way out. My husband is disabled, but works part time at a school. I work in retail. Together we make about 65,000 annually. We have 15 year old twin boys still at home. We were doing ok until this year, when i needed...

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