Here is a suggestion. Education pays. Most companies will give you a job and appreciate the profit you make for them, however without formal training ( college,or technical, or vocational school ) you are not promotable in their eyes. Job experience is a valuable asset but when a position opens most employers will hire some clown, fresh out of school, to be your boss. And to top it off you have to train him and he is paid 30 - 50% more than you.
Here is the bottom line - you and your wife should sit down and discuss both your futures. Make a list of things you (also your wife ) like to do (hobbies) that, with a little (2 years) training could get you the job of your dreams. If she is in a job she really likes is their extra training that would make her more promotable. Once you decide who should get the training first make a commetment and go for it. The other person should commit to assist all he(she) could. That means cut out the frills, pickup more of the household chores, get a second job stocking grocery shelves,etc. Do whatever it takes for as long as it takes to free up the other person so they can complete their training. In this day and age it takes both partners income to stay above water.
If anything - look at your expenses. Do you need HBO,Showtime, and Cinamax. It's summer now everything is repeat. Cellphones and landlined, if you get good cell reception drop your regular (landline) phone . If you love your phone number have it transfered to be your cell number.
Life is tough, marriage is tougher. Make a plan, even if it is to pay off bills for one year. Good luck.