money stress!

uuuugh. sorry for the rant. so my so and i have been ttc for 1.5 years. when we started ttc, we were pretty financially stable. had good incomes, not a massive amount of debt, and some in savings. but over the course of time, after i was laid off, went thru a much lower paying job, and unexpected things happening, were more in debt, with nothing in savings. he makes decent money. we pay my dad $75/ a week cause he bought me a $3000 vehicle so i can get to work (my job involves a lot of driving) and so my so can use our other vehicle to drive to work as well. my dad put the insurance for my car under his name so its a lot cheaper too. but i feel like no matter what we do, our debt isnt getting paid off. our savings account is still at 0. and im freaking out cause all i want is a baby, and when we started ttc we were good. but now i feel like instead of getting better, we're just getting worse. and now my so's vehicle needs a new windshiel, new brakes, and a new router for the one tire. like no matter what we do, life's just like "nope fuck you". we have a great deal on rent (consdering our area and everything, we pay $1300/month for everything rent/utilities/wifi) for a two bedroom townhouse with insuite laundry. we should be able to have extra money each month, but it just disappears! ugh. now im worried that if we do manage to conceive, considering we're at the point of seeing a fertility specialists, getting my tubes unblocked, and everything, we're just gunna go deeper into dept. oh and we're supposed to be saving for a wedding as well! why is adulting so damn exspensive? 😞