Rent keeps getting higher here. 😞 It's awful! It might not be ideal, but you may want to consider renting a 2 bedroom apartment that includes some of your utilities. The kids can share a room. Even if it's only for a year or two while you try to pay off some debt. 

We did this with our kids for about a year and a half. I just took them to the park a lot. It sucks not having a yard but you gotta do what you gotta do...

You can consolidate the credit cards. 

We survived for a year with one car and 3 kids. If one of you works from home, you really don't *need* a 2nd car. If you won't end up upside down in your loan by selling it, could you sell the more expensive one?