<prompt> Human: Edit: Income amounts are at bare minimum and mine typically is anywhere from 300 to 1000 higher than stated depending on how busy I am at work. As much as I know our larger car payment is a problem, it is entirely in my wifes name and she will not be moved, Ive tried.Ive had enough of living basically paycheck to paycheck. Our finances are roughly as follows. Monthly Income-I bring home at minimum 2600 per month plus overtime which varies. My wife brings home 1300 after paying insurance of 440month. Monthly Expenses-Mortgage 890CableInternet 157Cellphones 190Gaselectricwater 190Car payment 505 with a balance of 29kCar payment 225 with a balance of 2400CC min payment 140 with a balance of 5300Personal loan payment of 280 with a balance of 11500Daycare 320Gasgroceries about 450 high estimateTotaling at roughly 3350 but adding another 225 this fall when my daughter starts preschoolOther debts without a monthly payment3k loan from my dad after a car recent car accidentNearly 1k in medical billsWhat is a good starting point to tackle some of this? I need to pay down as much as possible before next spring when I may be able to change shifts from weekends to week days which will add a lot to child care expenses.Assistant: Is the 1,300 from your wife before or after she pays the insurance?Good place to start is selling the car with the higher payment. Is there any reason at all to have such an expensive car? Thats about 13 of your monthly expenses right there if your wifes take home was before insurance.Cut the cable, just keep Internet, or Internet with Limited Basic cable, which will many times be cheaper than the Internet Only plan. Youll probably save around 80 per month there.Human: the 1300 is after insurance. We just bought the vehicle 2011 Tahoe LT because our 2013 Crosstrek was just not cutting it with two kids, a dog, and the stuff that comes with that kind of stuff on road trips. We opted for the LT for the leather kids and dvd player kids.I have been wanting to ditch the cable for a long time now since my wife is the only one that watches it. Furthermore, she just has a few shows she watches and theyre seasonal. I believe internet only is about 60.  <response>: You need to make a different car work. You cant afford it. Your listed income is 3900 and expenses are 3350 but I suspect there are some missing expenses. No mention of clothes, toys for the kid, restaurants, car insurance! etc. You gasgroceries seems low as well if youre taking a Tahoe on road trips. You should have a 550 surplus but clearly you dont if youre paycheck to paycheck. You just cant afford a 29K car when you have 5K of credit card debt and a 10K personal loan and a 1000 medical bill and so on. 