You are both young, both working, both earning respectable wages. You've recognised the problem and are determined to do something about it. You will be fine: it'll just take some work to get where you want to be.
I totally second that!:)
Cell phones is an easy quick fix - we have T-Mobile unlimited plan - 2 phones - plus I pay an extra $15 for unlimited calls to Germany - total $134 mo.
So unless like me, you need to call overseas you can drop your cell phone payments down to $119 a month and have an unlimited plan with no contract.
Car Insurance - get a few quotes on the phone and then get price confirmation by e-mail. Done!
Geico for instance gives you a 10% credit if you take a safe driving test on line - worth it!
401K - if you are eligible, find out if there is an employer match - that is free money - do not throw that away!
Make sure you contribute the 3% or 6% monthly that is matched by your employer.
Then every time you get a raise up your contribution by half of what your raise was - painless retirement savings!
Welcome to the forum! Don't forget to check out the other section, like the challenge threads, it will be fun!
Oh and yes, do something about that utterly atrocious 9% car loan and devise a plan on how to pay off that 5K debt ASAP - you can do it!:) We have all been where you are now:)