How to say the trouble is that we are short of money. in Japanese

1)問題問題(mondai) (n) problem/questionは(ha) (int) indicating a subject/yes/indeed/well/ha!/what?/huh?/sigh私達私達(watashitachi) (pn,adj-no) we/usが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/and金(kin) (ok) money/metal不足不足(fusoku) (adj-na,n,vs) insufficiency/shortage/deficiency/lack/dearthという(exp) said/called thusこと(prt) particle indicating a command/particle indicating mild enthusiasm/particle indicating a gentle interrogative/particle used to soften a judgment or conclusionですです(desu) (aux) be/is/are。(。) Japanese period "."    
mondai ha watashitachi ga kin fusoku toiukotodesu 。
Grammer form丁寧語 (Polite form)Polite form (teineigo)
convays a sense of politeness, used when speaking to strangers, people older than you, higher social status ect.
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2)問題問題(mondai) (n) problem/questionは(ha) (int) indicating a subject/yes/indeed/well/ha!/what?/huh?/sigh私たち私たち(watashitachi) (pn,adj-no) we/usが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/and金(kin) (ok) money/metal不足不足(fusoku) (adj-na,n,vs) insufficiency/shortage/deficiency/lack/dearthであるというno dictionary result, likely a conjigated verbこと(prt) particle indicating a command/particle indicating mild enthusiasm/particle indicating a gentle interrogative/particle used to soften a judgment or conclusionですです(desu) (aux) be/is/are。(。) Japanese period "."    
mondai ha watashitachi ga kin fusoku dearutoiukotodesu 。
Grammer form丁寧語 (Polite form)Polite form (teineigo)
convays a sense of politeness, used when speaking to strangers, people older than you, higher social status ect.
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3)困ったno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbことにことに(kotoni) (adv) especially/particularly/unusually/above all/additionally、(、) Japanese comma私達私達(watashitachi) (pn,adj-no) we/usは(ha) (int) indicating a subject/yes/indeed/well/ha!/what?/huh?/sighお(o) (int) oh!/polite prefix to the next word金(kin) (ok) money/metalが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/and不足不足(fusoku) (adj-na,n,vs) insufficiency/shortage/deficiency/lack/dearthし(shi) (num) 10^24/septillion/quadrillionているている(teiru) (v) an "ing" form of the previous verb。(。) Japanese period "."    
komatta kotoni 、 watashitachi hao kin ga fusoku shiteiru 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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