Hello,
First it is great that you are doing all of this now. I have 2 siblings just a bit older than you with similar incomes that are living paycheck to paycheck because they do not save their money.
First thing is the Credit Card Debt is a hair on Fire Emergency. I would definitely see if you can get a balance transfer for both totals to stop the bleeding. Check out Nerd Wallet for the current balance transfer offers.
https://www.nerdwallet.com/balance-transfer-credit-cards If you can lump both of those together under 0% interest for 18 to 21 months you will be able to knock them out much quicker. If you are able to get the balance transfer you would only pay the minimum due, however continue to save what would be needed to pay the balance in full when it is due. Also depending on your current cards they may have balance transfer offers as well, but a new card would probably be the best option. If you cannot get a balance transfer consider looking into a personal loan.
Based on your income you could be eligible for the Saver's Credit. Basically the IRS gives low income earners a credit for saving for retirement. Check it out here.
https://www.fool.com/retirement/2017/10/22/the-2018-savers-tax-credit-free-money-to-save-for.aspxYou may qualify for the Earned Income Credit (EIC). Again this is a credit for low income earners.
https://www.efile.com/tax-credit/earned-income-credit/ Based on your current Income for 2018 you should run the numbers to see if putting some money into a traditional IRA will lower your AGI to qualify for the Savor's and EIC. You have until the end of March to make contributions to an IRA for 2018. Another thing you will want to look at ASAP.
On the forum there is a post about the investment order. It is below for your reference. However right now you are already taking care of exactly what you need to.
https://forum.mrmoneymustache.com/investor-alley/investment-order/It is great that you are putting 6% of your income into the 403b. Is that the minimum you need to put in to get the full company match? Until you have your credit cards and the car loans taken care of I would not put in more than the minimum.
As far as a 529 or other savings for your kid. I think if you wait a little longer to get the credit card debt taken care of.
Another thing is a FSA for health and childcare expenses. Usually you have to elect these when you elect your health insurance.
Along with paying off your debt the other biggest thing you can do is keep a very accurate account of what you are spending. You really have no idea of what you are cutting unless you know what you are spending. As you figure these out you will be in a better position to see where you can get extra savings.
Lastly for the food many of the people on here recommend budgetbytes.com for recipe ideas. I like
https://www.5dollardinners.com/recipes/ for low cost recipes.
You are heading in the right direction. Keep us posted.