Never, ever, ever, finance a vehicle into a home mortgage. As DD said, you are paying each month for 30 years on that vehicle. Instead, I would find somewhere I spent an extra 100 a month, or even fifty, (like a cell phone, cable) and cut that out, then pocket the 100 a month and pay it on my home mortgage. EXTRA. You wouldn't believe the interest you are knocking off the loan...then when you go to sell, you recoup that and then some.

People say all the time that they are at bare minimum with their expenses, but when asked if they ever eat out, or get a coffee at Starbucks, or their nails done, or rent movies....they cough.

While I don't advocate putting your money in the mattress, I do strongly suggest saving, saving, saving. I believe it will get worse before it gets better.