Where is my money tree?!

I need to take a moment from the back story and rant a little. I am so tired of being completely and utterly broke. We never have any money to do anything even remotely fun, and if by  chance we think we do and have a little fun, it comes back to bite us in the butt.
My rant this week is inspired by Andy's work. A few weeks ago, he was unable to work because the system he uses wasn't working properly. He was out of work for three days waiting for the update that had  to come through to come trough. They told him since it wasn't an issue he caused he would be paid tech pay for those hours. The last check came out and it wasn't on there. Great! Now I can't pay my car payment...whatever though, there's a 10 day grace period and they said the tech pay would be on the next check. Guess what? It's not! So once again, we have a tiny check to last us two weeks...thats to buy groceries, pay a few bills that have to be paid, and to get gas for doctor appointments and the like. But, I'm still not able to pay my car payment. I wouldn't be quite as concerned if it were just the hit to my credit in the mix, because, well, mines shot after having a heart baby and not being able to work to pay my debts back. But it's not. Andy is a co-signer on the loan and we need to keep at least one of our credit scores fairly decent- we would like to move out of his dad's house at some point before we're 50.
I can't call them and skip a payment either, because you can do that once a year, and we did that in June right after he was born. I try to be frugle, I really do- the only thing we have "splurged" on in the last year was Christmas for the boys. We can't take Michael anywhere fun on the weekends he is here, we can't have date nights, our couch is broken but it's going to have to wait longer before we can replace it.
The ONLY thing getting us through right now is Lucas's SSI- and we can't use it for many things because we have  to have proof of where the money went and, well, I don't know if you noticed, but formula isn't cheap lol. We have WIC, but he can't drink the Gerber formula and he's on 30 cal/oz so we go through about 12 cans a month. Times like now is when I wish I breastfed because that would save a lot of money, but thats a post for a different day.
I'm done ranting now. Time to take the puddin to get a shot :)