Something else you may be able to arrange. Talk to your boss (if you are employed) and see if you can work out deals with him to pay a portion of your salaries in cash. This is especially useful if you are about to get a salary adjustment. Some employer are pretty cool about this and some aren't. So proceed carefully. If your wife is a good friend with your employer, then scratch that idea. It would get you killed. If your employer is male, most likely he would understand.