Lord, back up. Start all over. Get rid of the cars, purchase good used cars w/o notes. Find an apt that is cheaper and probably smaller.
Thrift stores are good for clothing. I used to sell high end designer clothes found at thrift stores on Ebay and made a wonderful living at it.
Why do you keep owing so much in taxes? Are you not having enough taken out of your checks so you won’t owe at the end of the year?
I don’t know that’s just my advice from a lay person. Ask the experts, but if you ask me you have a lot of unnecessary funds going out the door every month. Living beyond your means.
I heard that leasing to buy a home is the worst thing you can do. You can lose your entire down (which is usually added to your mo. rent). I would have taken that extra money and saved it every month.