<prompt> Human: So let me start by saying I know a lot of people are worse off then me. Im well aware that my earnings place me in the upper middle or upper class Im still terrible at organizing and spending my money.Heres how it goes the mortgage is 1332 on our tiny lot 2 bedroom suburban home. That includes property tax. The Electricity, Water and cable are another 400 per month. The cell phones, mine I need for work. are another 200. And we pay about 799 twice per year for oil heat just paid last month. Car insurance is 1600 for both cars every 6 months. The car payments are 258 monthly for hers and 358 monthly for mine. Additionally I budget about 50 a month in parking fines which is normal for NY. We also spend about 350 every two weeks on peapod and diaper delivery for food diapers and baby food at home. Finally the wife and I spend about 400 a month on unsavory pursuits and hobbies because its not an issue.And then their are the loans. I owe about 119,000 the wife owes about 60,000 I have been making the regular 30 year payments on mine at 1200 and hers qualify as income based we are currently not paying the, Here is the situation. I am personal injury attorney in NYC I make 125,000 annually plus expenses and commissions as an associate. I recently switched firms and was able to negotiate very favorable terms 35 on anything I bring in plus the 600 monthly as expense reimbursement for a parking computer rail subway etc.In exchange I am salaried running a legal department in a medium size successful Manhattan firm 60 hours a week but I get to telecommute Tuesdays and Thursdays which is awesome but I actually get more done in terms of settlements and etc. then I do on my three court and office days per week.I own a home, I have student debt, I have an eight month old daughter. And since May I have been the sole breadwinner for 3 people. My wife helped me out on my way to my current position. She is a licensed PT and in job in 2009 just out of law school when I was making 32,000 a year she was making 30,000 as a PTA in February she was making 75,000 as a DPT at a nursing home with fee health on top. Last year in 2014 we filed a joint return at 182,000.At this point my wife has stopped working to stay home with the baby and I recently changed jobs in September I went from the middle of a large department to the head of a small one. And my contract is as follows, 125000 annually plus the coast of transportation, expenses and most importantly health care, a platinum plan without a deductible. Which means after taxes I have 3352 every 2 weeks plus comissions coming in.Last year my comissions at 25 at my previous employer were 30,000 I have a 35 rate at this new position ad I may be looking at a major score in terms of commission on the near horizon. I have a 10,750 emergency fund and 8k in credit card debt being passed back and forth across 5 cards. What do I do next what do I do long term and what do I do short term to manage or handle my long term situation which is as follows:Hopefully my work will generate enough income I can hire someone to handle my money.But at this point I just need help with the basics of paying bills and managing accounts. If anyone could help me out with a basic budget that would be awesome. Or at least provide some tips that would be cool too.EDIT: Thank you to everyone for their helpful comments. The spreadsheet Idea is a good one. I just wanted to add a couple of things 700 is the total household food budget not just baby food. We are paying for delivery from the store but that cost is honestly negligible at 14 a month. Gas is about 150 a month because its just from my house 25 minutes to the train station. Finally, as to where we are exactly, a 2 bedroom in Queens or Staten Island to own would be 2 or 3 times what we pay. We live in Suffolk. As to childcare we have discussed her going back to work and we would like to hold it off as long as possible. Our options for part time childcare are limited and for full time daycare we were quoted 1200 a month. Plus its a choice we made right now that may change as the baby gets older.  <response>: You are making way to much money to be completely broke and not making any progress 10k on CC, ??? car loans and student 180k in loans is an issue. Give YNAB a shot for setting up your budget rynab there is a 30 day free trial and actually track you spending. You should have over 2.5k a month left over by my calculations according to your expenses--your post doesnt seem like you have 2.5k extra every month. Figure out where the rest goes. Read the I have X, what should I do sidebar to get your priorities straight once your spending is managed. You should consider downgrading to cheaper cars, and cutting back on your hobbies while you kill your debt. One other thing to consider is having your wife ease back into work. Being a PT seems like a job that could easily be done part time--maybe the 2 days a week you are at telecommuting so you could watch the baby. 