I'm not going to have all the necessary info, but I'll give you what I have and I hope some direction can be given.
My husband and I have been married for 6 years, we're 26 and 27, we have two toddlers and I'm pregnant. He racked up some nice credit card debt which is around 20,000 right now. And without asking/before he turned our finances over to me, he signed on with Cambridge Credit Counseling. We've been with them for maybe a year and a half and have paid off 10,000. We pay them about $700/mo. And $800 in other bills. He also has student loans being paid off, but it's insignificant and I forget the exact amount.
We've never owned a home and are currently renting an apartment for $1100/mo. His salary is around $66/yr.
We have one vehicle, which my parents helped us pay for as a gift. Husband often works from home, but his office is 5 minutes away anyway.
No cable, no Netflix, but we do have an Amazon prime subscription.
We both have iPhones
When I'm doing well, we can make it off of around $150-200 per month for groceries. The key phrase being "when I'm doing well."
He gets his haircut once a month or so-$50
Other than drs appointments, I can't think of regular expenses I have.
Eating out and coffee are the obvious pitfalls. And the phone. We are out with people pretty often-we get invited out at least once a week. And when I'm not keeping up with cooking, food expenses are a disaster.
We don't do preschool or pay for babysitting.
He tends to buy what he wants, when he wants it. Luckily the many books he spends on are reimbursed by his work.
We have basically no real savings.
He has to set aside his own money for taxes-I've never been involved with that, so I don't know how it works.
Our biggest issue is lack of self-control and preferring convenience above all else. Our little expenses add up. He knows he has a big problem with materialism and consumerism, which is the source of a lot of marital grief. He's allergic to handy work and truthfully, with my own off-and-on depression and ADHD, I'm not one to trust to get anything done, either. We are DIY-handicapped. But I am good at not spending money mindlessly. Unfortunately, when I go through periods of depression, I give up the financial responsibility to him and we end up taking more steps back for several months.
I'm a stay-at-home mom and I occasionally do oil painting commission work on the side, but it isn't regular or a reliable source of income.
Basically, I want to be out of debt yesterday, actually save money, and we also can't buy a house until we do so, but I don't really know how to speed up the process.