<prompt> Human: My wife and I both have decent jobs. By decent I mean she makes 32k a year and I make 31k before taxes, insurance, and retirement come out. She has her masters degree and I will have mine in a few months. We have a three year old son. We live with family and that puts a burden on our happiness. We want nothing more than to own or rent a home... however it seems impossible given our current situation.We have two cars that have a combined monthly payment of 710, insurance for these cars is 145, our sons daycare is 120 a week or 480 a month. My wife commutes almost an hour every day to work so that eats gas. We have credit card debt that is around 3k total but has about 300mo in minimum monthly payments. We dont pay for cable or internet as the family we live with pays that and all utilities. They are actually very generous and let us stay there for 200month and to do yard work and some light housekeeping. Each payday, after bills, we have about 500-600 left over for two weeks. That does not include groceries, gas, etc. We have only had these jobs for a few months and these are our first real jobs in our career field. Maybe it is just us not being able to budget because weve never really had to but it seems so hard to plan for anything. Can someone point us in the right direction on what we should be doing, how to better manage our finances, and the path to us buying a home?Thank you  <response>: These types of posts happen a lot, but honestly we cant do much to help without a lot more information.We need to know your take home and all of the recurring bills. Use YBAN or Mint or PersonalCapital or any of the online budgeting tools, its going to help you see where your money is going.Without even looking at the budget, you need to figure out how to get rid of that CC debt and reduce your car expenses. Paying 710month on vehicles when you make 60K a year is insane. 