<prompt> Human: Husband and I just had an increase in our income of about 1k per month this is a lot for us. We have a clear idea on where it should go but I would like to hear what PFs thoughts are.Heres our budget:Mortgage- 585Condo Fees- 220Student Loans- 233 14600 7.12 ends in 2022Electric- 135 average over the course of year, all electric heatCredit Cards- 3100 paying about 250mo Currently 0 for 12 more monthsLoan- 185 5393 Done in 2018... I think 8Insurance for Hubby- 40 hooray MedicareStorage- 55 Absolute must due to size of condoCableInternet- 87Car- 230 5- 12,145 Working on Refinancing this, bought as pre-owned so rates will not be great.Phone- 45 Straight Talk Phone 2- 20 TracFoneFood- 450 give or take growing teen and hungry hubby, plus we eat out someGas- 200Savings- Only 1500 currently after a major recent expense. We put 200month inTOTAL EXPENSES: 2935Income: new income 4400Me-2600 this is after insurance and 401k are taken outHubby-1800 Disability and part time workHubby is permanently disabled paraplegic but works part time. I work full time. We live with our 15 year old foster son in a very small 660 square foot condo which we owe 92000 and would like to sell soon comps in complex are going for about 102000 and get a bigger home in the 120,000-140,000 range. We would like to put 10 down and have 5k left in savings. We will probably have to float both mortgages for 3-6 months so will have to account for that. Would like our personal loan, and credit card paid off before buying a home and will not need storage when new home is purchased so will have extra 490 without those expenses. Once condo is sold, the fees will disappear too.I guess I am more looking for where to best focus our and in what order, rather than how to cut things... we are happy with our way of life. SO... What would you do to make make the most of our and get us into a new home in the fastest way possible?EDIT: Added totals for expenses and incomeAssistant: Throw 1000 or 2000 into emergency fund. Then personal loan is where all your extra income should go. When its gone in January or February, the student loan is target until CC debt leaves 0 rate. Then kill the CC debt. Minimums to everything other than your target.Edit: Above answer would change if your 0 card is a deferred-interest product that applies all the interest that would have accrued during the 0 period. linkHuman: I fully agree with this. OP you do not live within your means. Pay off those debts and do not add to them. Dont trade up houses until you are clear of the debts and demonstrate the discipline to have 15-20 down payment. Assistant: Having 13 of our income left over after paying all monthly expenses, contributing to retirement, and some savings is not exactly not living within our means. Yes, a stretch sometimes, but not irresponsible or reckless.  <response>: They just mean you have almost no savings and have almost 10,000 borrowed recently. At some point, outgo exceeded income. 