So, your Dad's been "made redundant" and is out of a job. And apparently our finances weren't as stable as we were first led to believe, because we were literally one paycheck away from losing the house.
[plot: Goodbye My Little Pony and hello Transformers! Aliens are descending to attack our perfect cartoon universe and it's up to you and your characters to stop them. Or just hide from the invasion, really anything goes. Powers are useful, hand to hand combat works just as well.]