Can a family of 3 survive on just over 1300 a month?

$1300 a month to play with (go with the pessimist view always so that you have "left-overs" to play with).

10% goes to long-term (retirement) savings: $130 a month. While you're in the crapper, make this 3% ($39) towards retirement and 7% ($91) towards your emergency fund.

15% goes to debt repayment/emergency fund: $195 a month that should be going to a regular savings account until you have at least 6 times your monthly income ($7800); in your case, you should just be aiming to save as much as you can beyond that amount.

35% goes to housing (rent, mortgage, bills, utilities, insurances, etc.): All-inclusive, you can afford under $455 a month, which means that you would be over-spending by $165; get more income to cover this gap.

15% goes to transportation (gas, insurance, repairs, bus): $195 a month, which you are over-spending by $40; more income to cover the gap.

25% goes to life (food, entertainment, clothing, gifts, travel, medical, wants, phone, internet, cable, other): $325 a month, or $81.25 a week. I suppose it depends on where you live, but I'm a young adult living on my own and that's what I can support myself on only.

So you need at least $205 extra every month to cover your gaps, and preferably a bit more than that so you can add some to life/savings.

What about the side-jobs? Tutor, baby-sit, pet-sit, house-sit, walk dogs, clean pools, weed gardens, mow lawns, shovel snow, rake leaves, clean houses, run errands for people, etc.

Your fiancé is staying home anyway to take care of your child, why doesn't she do a home-daycare? If she took care of one extra child five days a week and charged $25 per day, she'd be making $500 extra every month doing what she already does with your kid; not to mention she would have a play-date all the time.

I commend you for your faith to tithe with such a tight budget. May the Lord provide you the blessings like in Malachi 3:10. Let me point you to another verse which has helped me greatly when I was laid off and could not find work for almost 3 years: Habakkuk 3: 17-19. I am fortunate in that I get about $2300 after all taxes and deductions. There's only 2 of us, my kids are grown and gone from home, so we get by pretty well. Not saving anything, but not going into debt either.

$1,550 per month, $18,600 per year, is below the federal poverty level for a 3 person household. It would be very difficult to survive on that amount. Any unexpected expense will drown you.

no, someone needs to get a part time job to make at least 20 grand a year to live.

It'll be hard tight but yeah I can be possible. If your good with budgeting