I know. We hate the two payday loans. We've only renewed them one time and rolled them over into the next smaller amount and a we're planning to do it for an even lower amount next month if we can't pay them off (or can't pay both of them off). That's our net income (after taxes, benefits, union dues, pension and a measly $25 going in a 465 retirement account).
Edit: I forgot to mention that YES our rent is the lowest we could find in the area but we're concerned we might not be able to stay too much longer because as our children get bigger it's becoming more and more obvious that we're over the maximum occupancy for the unit... and there aren't any three bedroom apartments in our entire city. We'll tackle that issue if/when it arises though. We don't want to pay higher rent for a bigger place further away (forcing us to commute) unless we have to.