It sound like you're going through a lot at this time. Maybe put a few of those things you want to do on the back burner for now until you get your debt paid down (moving to a new home, having a child), especially since those are expensive avenues. I would also suggest a 2nd job, yes you may work more, but if you're relationship is strong, you will both persevere. You need to do what is best for all. Good luck with whatever you decide to do, so sorry you're struggling.