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Having been homeless myself for a couple of years in my early adulthood, I know what you're going through. A few words of advice:
Get out of that shelter once in awhile, both you and your wife. I don't know where you live, but even in my modest Midwest city there were a number of free/low cost entertainment options that were lots of fun, take advantage of them. Also, if you can afford it, get you and your wife off to a low cost hotel or some such for some alone time together. Shelter life affords little privacy and is hard on relationships. Tend to yours, especially now.
Don't give up, even when things are dark. This is a process that will take awhile, but you and your family will pull out of it, though it takes a few years to fully recover.
Don't slip back into old habits. If you went on the binge credit card train, don't get anymore credit cards, ever(even if you didn't take that route, don't get credit cards, your life will be better because of it). If you have trouble bugeting, then force yourself to budget, and limit your ability to make impulse buys.
Don't get caught up in shelter drama, and believe me there's plenty of shelter drama. Take a number of people who are hard up, cram them together, and poof, instant drama.
Keep lines of communication open, between you and your wife and you and your child.
Don't beat yourself up over this. Really now, most people are but one check away from homelessness anyway, so you really didn't go that far out over the line. These things happen, so don't kill yourself over it.
Think of this also as a learning experience. When I was out on the streets I learned a great deal about myself, about this society, about how the world works, and some really interesting stuff about the under belly of high and mighty(like which of the community leaders liked teenage boys, which community leaders ran coke, etc.). You will come out wiser and more compassionate for this.
Get to know the people around you. Some of the most interesting and compassionate people I met were those who were down and out like me. You'll make some of the best friends that way.
If you have the time at this juncture in your life, give back, do some volunteer work, either at the shelter or other charity. It will do wonders for you, trust me.
Good luck, and I think that you will do fine when all is said and done.
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