Congrats on recognizing the problem and taking some first steps
I have to give you a lot of credit (no pun intended) for telling your story, listening to some matter of fact "straight talk" and coming back again and again until you began to get a handle on the just how deep and wide your problem is.
While I agree with a couple of PPs that complete deprivation would likely be counterproductive, I would encourage you to take a harder look at your monthly entertainment budget, $100.00 to $150.00 is probably too much until you find the money for health insurance.
I can't put it any more eloquently than Supercrunch, you need health insurance.
Regarding the truck, I think avent is probably right on the money (pun intended).
Originally Posted by avent
That doesn't sound like a lease. It sounds like you're buying it. ...
It sounds like they sold you on the idea of a high interest rate with the promise of a possible re-fi in the future. I think with your income level you could re-fi now through a bank or credit union. You might not get the best rates (3-5%) but I bet you could get single digits. ...
I think you financed the truck through the dealer. It's never too early to shop around for a better rate, especially on a newer vehicle. The rates are better on newer ones. If you weren't living so close to the edge I'd almost suggest a home equity loan to pay off the truck since the rate would be lower and the interest would be deductible but you don't want to risk losing your house over a truck.
If you walk away from a truck payment all you lose is the truck.
Once you get an idea of what a reasonable rate would be contact the dealer and offer them the opportunity to beat the best rate you can find. You might even try bluffing them a little by shaving a 1/4 of a point off the lowest rate you can find.
If you haven't done the math yet you should know that at the end of 6 years you will have paid about $61,400 (including the $11,000 downpayment) for a vehicle that will be worth a fraction of the MSRP at the time you bought it. I'm guessing that if you're lucky it will be worth around 60% to 70% of what it would have cost if you'd paid cash, depending upon how desireable the model is and what kind of condition it's in. Work vehicles that look like they've been worked hard don't hold their value as well.
Good luck and congrats on the progress so far.