<prompt> Human: A little about us to start. I am 23 and she is 21. I work full time at a machine shop as an inventory specialist material expoditor. She currently works at a cafe. I dont make a great deal of money, and she wont be working when the baby comes. She is already 24 weeks pregnant with our baby girl, who was unplanned, obviously. I guess what I want to ask is how do I prepare myself financially to deal with supporting a family with no current savings and a meager wage.I make 17 an hour at 49.5 hours a week, which after taxes and insurance, comes out to about 2730 a month.My dont have very many bills, but Ive made dumb decisions and accumulated some unnecessary bills with enormous interest rates due to my lack of credit. For example:I recently purchased a car with no credit. With no co-signer to go to I had to go to a predatory loan place one main financial.Anyway I they let me take out a cash loan for 7500 with a 29 interest rate. I know. Im an idiot to agree to those terms, but I was desperate I pay 271 a month for 4 years, and my bill says that I owe over 12,000.I also rent-to-own a TV and DVD player, which I pay 203 a month for 12 months. Im only 2 months in.My other bills are general bills.In all I pay the following:271 for a car loan203 for technically unnecessary luxuries181 for car insurance126 for cable and Internet Comcast is the only thing available in my area100 give or take for electric30 for water1075 for rentFor a grand total of... 1986.Leaving me and my girlfriend and our baby with 744 month to spend on food and gas and anything else.I am wanting to buy a house for us, but its terrifying due to my low income. Any information to help me get my financial life started correctly for my family would be greatly appreciated.  <response>: I would kill the rent to own stuff and cut cable down to internet only. Quit worrying about buying a house, for now. You will not have time for that shit. Baby is here before you know it. Check out some of the faqs here and regroup.Dont freak out. I was making less than you when my kid came. Repeat this mantra: I CAN HANDLE IT! 