<prompt> Human: Throwaway for obvious reasons. My husband and I got married last year and are living in north Texas. We started with very few monthly bills only my student loans and rent and took a couple domestic vacations that were costly. We realize now we should have just saved that money... but we cant change that. My husband graduated with his masters in civil engineering in December and his student loans are due starting next month. We also both had paid off vehicles until his truck took a turn and the repair was going to be more than what it was worth. We ended up buying a pre-owned 2015 chevy silverado 3 months ago. That monthly payment didnt kill us... its the student loans that are about to hit a manageable one in his name and a not so manageable one in his mothers name only. We have been trying to figure out what to do next, but are unsure where to go from here. We are both about to be 27 and we wanted to buy a starter home and start a family, but with all the debt we are unsure of our next steps now. Any insight would be appreciated and we always go over our monthly budget together, but this weekend we decided to sit down and cut some things to really start figuring out how to save money. My take home after health insurance for both of us, FSA contributions, and 401k deductions - 1,298.96 bi-weekly rely on 2 per month - bonus months go to savings Husband take home small company with no benefits, income varies based on hours worked in the month - 4,000 monthly Savings - 5800 in chase savings additional 933 in credit union savings account that we add 175month to Chase Credit Card Debt - 5500 that needs to be paid off by July 13th when the 0 interest is due wipes out savings Rent - 1,065month for 1BR apt Water Sewer - 50month Electricity varies throughout the year - 150month in the summer Cell Phone w 2 phone payments - 166month Cable Internet premium TV - 176month Spotify - 16.23month GasAuto Maintenance Budget - 500month we usually dont spend this much - everything extra gets saved Truck Loan - 513.07month 1.95 interest Food - 950month we usually dont spend this much - everything extra gets saved Household Supplies - 60month Crema Coffee Subscription - 100month our alternative to going to a coffee shop every day Cat FoodSupplies - 75month Term Life Insurance Payments - 67.34month Car Insurance - 209.80month we have shopped around and this is the lowest by far -- there are a couple of accidents between the 2 of us My student loans - 344.09month Husband student loans kicking in July - 430month Heres the real kicker: Husbands mother wants us to pay the Parent Plus loans that she signed for every year for my husbands schooling... fixed payments will be 1400month, consolidated income based will be 900month. we are unsure what to do regarding these...Everything extra at the end of the month gets transferred over to the Chase savings account... we had a lot of traveling planned over the past year that pretty much minimized the amount we were savings, but nothing else is in the works and we are focusing all our savings into a hopefully homebaby fund. Help?Assistant: Cut out Spotify and the coffee subscription and premium cable, to start. To get out of this youre going to have to deal with not having fancy coffee for a bit. Id also suggest starting a meal plan and finding coupons and buying ONLY what you need for the week-two week period. Theres no reason for 2 adults with no kids to be spending almost 1000 in food. I have a husband and a 7 year old who eats like a teenager and 3 animals, and I dont spend near as much as you do. Human: All it means is they eat out for 50 of their meals. Thats about 30 a day on average for food which is unbelievably easy to do. Assistant: Actually youre wrong, we cook every meal at home except Saturday lunch and the occasional dinner out with in-laws. The food budget breaks down to 700month groceries varies between 100-125week on only meat and produce - we dont eat processed food and 250month restaurants covers the Saturday lunch and sit down nice meals with in-laws every couple weeks. And we dont ever hit our food budget, we just like to have the buffer if we decide to have a nice date night in with a bottle of wine or something.  <response>: Doesnt matter. You cant afford to spend this much money on food in your position, and it is ridiculous to spend 12,000 a year on groceries. 