You also shouldn't be paying that much for phones. Read the articles here on MMM about reducing your cell phone bill by using MVNO companies like StraightTalk, Republic Wireless, Ting, RedPocket and others. No way you should be paying that much, especially if yours isn't necessary.
I also agree that $500 for groceries is a bit steep for a family of your size. You can reduce that by not letting anything go to waste, plan your meals ahead of time, shop according to what you already have that needs used. Buy less meat, avoid things like pre-packaged meals, soda pop, potato chips and junk food, overpriced luxury foods and learn how to love bean dishes. They are so cheap and so delicious.
Is there any reason you need full coverage on both vehicles? My wife and I pay $85/mo for insurance for two vehicles of comparable age.
Of course dish is a waste of money and time, so keep fighting the good fight there. Maybe compromise with Netflix and an antenna for local broadcast.
Ahh....pets. I don't like telling people to get rid of pets, so I won't. But 3 cats and a dog is a lot. So I'll just suggest to not.. .ahem... "replace" them when the time comes. In the meantime, look at cheaper cat litter solutions and buying food in bulk.
Your energy bills look kinda high. Not ridiculous, but higher than they probably need to be. Read MMM's articles on "I'll Show you My Electric Bill if You Show me Yours", "Understand and Destroy your Home Heating Bill" and "How Not to use your Air Conditioner". Also check out
http://www.michaelbluejay.com and learn all about how to reduce energy use.
That 1.25 hour commute is a killer right now. I'd suggest a more drastic move (NOT LA), but I don't know enough about your situation. Is there anything else your husband can do for work?
When you have the credit debt taken care of, eliminate that car loan and never get one again, of course. :-) After that it's kind of up to you. If you want a cash cushion, save that. You can also pay off the house if the interest rate isn't low. If it *is* low (say 3.5% or so), you can technically do more with the money by saving and investing and getting a higher rate of return.
But basically, once you have crap paid off and expenses reduced enough to free up some real cash, start saving and investing. But never stop trying to reduce expenses more. It's a lifelong project.