<prompt> Human: My husband and I are planning to stay in the area that we live for less than five years. Our first baby was born 0925 3 Hes darling, btw. I am a respiratory therapist who quit in April bad choice due to severe morning sickness and just plain being fed up with pediatricians I worked with. Im keeping current on my licensescertifications. I am planning to go back to school come spring part time taking pre-reqs for a masters in accounting. To enter full time 092016 and graduate 082017. Im considering going back to work part time at a different hospital in January.My husband is a grad student who got a job at the university he was attending hes a software engineer and brings home 1,284 after taxes biweekly. Hes been there since May. Part of his benefits very valuable is that he can take 2 classes each semester free of charge. Using this benefit he will graduate next August with his masters. This brings us to me going back to school. Another benefit of working for the university is that my tuition is 50 off. Undergrad credits I believe I need 6 credits are 529 each at normal price. So for me each 3 credit class will be just under 800 for class costs. Graduate credits are 861.50 per credit normal price. When Im taking those, Ill be full time and can apply for a additional student loan. Which may be worth doing as soon as I can because it will certainly have lower interest rate than my credit cardsunsecured loans. My brother has helped us out with money here and there as weve had some unforeseen expenses. My father in law sold us a car and told us to pay him when we can... I dont like owing them but neither do I know how to pay them back as quickly as Id like. My FIL particularly I know would prefer we pay off our actual debt.As far as baby expenses, Im breastfeeding, insurance covered a breast pump, my mom has provided wonderful cloth diapers she made them and a friend gifted us 3 boxes of various sized disposables. My parents and family also gave us pretty much everything we need for baby travel system, pack and play, swing, crib, rockers, clothes, blankets, shelving system and installed it for me... and the only thing I paid for was a cosleeper which I bought used. I also have a brother who lives in the area who has volunteered babysitting when hes available. I know, my family is precious.My husband brings home 2,568 after taxes every month.For my debt I spoke with the hospitals and they were more than happy with these payment plans. All other debt payments are minimum payments required.Income: Husband: 2,568Investment in dog business: every 3-6 months 300-1,000 varies greatly, I dont rely on itDebt:Mortgage: 36,568 at 4.25 370 every month not looking to pay off because were moving in less than 5 years.College loans: 10,650 at 5.8 60 monthly, graduated payment planCC1: 956 at 10 25 monthlyCC2: 2,000 at 26 65 monthlyUnsecured Loan: 2,645 at 15.56 148 monthly Put on a partial roof and other home repairs this summer.Hospital bill1: 456 at 0 160 monthly starts 111615Hospital bill2: 3,030 at 0 160 monthly starts 111615, 320 monthly starts 11116Borrowed from brother: 1,700 at 0Car payment: 2,200 at 0Overhead:Tithe: 300Insurance: 170 house, life, carGas company: 100 Our average over the last 18 months and so thats auto-withdrawnElectric: 100 budgeted but we are usually way under thatCell phone: 65 discount through plan owner, for two phonesInternet: 60 theres only one provider in our area, were ruralWatersewage: 44 monthlyNetflix: 8monthCash based spending:Groceries: 400 budgeted but were currently trying to stay under 300Car maintenance: 80 repairs, tires, oil change, etcCar 1 fuel: 80 spending less than thisCar 2 fuel: 80 spending way less than thisHusband mad money: 40 spends any way he wantsWife mad money: 40 saving for clothes, etcMiss. Shopping: 40Eating out: 0 Entirely removed at the moment, weve gone 3 weeks and going strong without breaking!!!Savings: 30 going directly to a savings account that is not getting touched. Current balance 70.I have conflict on what to pay down, which first, save first? how much to put toward each... etc. I have good credit 680s and at this point I need some advice. It should be noted that we live 10 hours from our families except for two of my brothers.I really appreciate all constructive criticism though Im more looking for tips on moving forward. Hind sight being 2020 I see some things we did wrong and things we did right. Our wedding was under 3,000-including my 900 dress. We did well there. Honeymoon? Camping, six flags and one night gifted at a nice hotel.All that said, snowball method? avalanche? Im planning to get a student loan next fall at least, I know we wont be able to cover the tuition. Edit Changed all incomeoutgoing to monthly average. Thanks for feedback.  <response>: I just thought Id point out that you are going into debt by 300 a month for tithing. Youre paying almost as much as you are for your mortgage and it will add up. 