<prompt> Human: Hi personalfinance,Im a long time lurker here who needs some advice - Im a teacher at a high end private school, who makes 707 biweekly, amounting to about 16.5 k a year after taxes and insurance. Now, that doesnt seem like very much, but thats not the whole story. I live in very nice staff housing, which I dont pay for. My utilities only include wifi and laundry access, for a total of 50 a month. I walk to work every day.That being said, heres a list of the good:1. Credit card debt: 02. 2006 Honda: 50,000 miles - paid off3. 2001 Mitsubishi: 140,000 miles - paid off4. Free summers, and I have connectionsNow the bad:1. 28,000 public school loan, 300month2. 6,000 private school loan, 60month3. Phone bill: 110 for 2 phones4. Insurance: 1105. Food: 200month6. Random reoccurring bills 50month7. I need to come up with 2500 for my wedding in June8. Only 1,200 in savingschecking 9. Fiancée lives 700 mi away, and I splurge to fly to see her.10. She will graduate with 12k public loans, and probably 50 to her nameMy soon-to-be wife is promised the same job, with the same wage, starting in August 2017. Our housing situation will not change.My question is, how should I approach paying off our loans? Also, how much should I expect my monthly bills to increase after she moves in with me?Any advice for a low-income, low-spending couple?  <response>: Any advice for a low-income, low-spending couple?Same advice as for any couple - make a budget.You have a bunch of loans, but until you know exactly how much you can throw at them per month, you wont be able to come up with a plan and see progress happening.Every dollar of your income gets a job and is assigned to a expenditure category. This is where expense tracking comes in handy. Go back through your last 3 months of creditdebit card statements and assign every expenditure you made a category. This will show you where you are actually spending money and is very enlightening. We all have money blind spots and this is the way to figure out where they are.Now that you know where your money has been going, assign where you actually want your money to go. This is the awesome part of a budget. No longer will your money go to the whims of a moment and not bring you any lasting satisfaction - instead it will now go to where it will bring the most satisfaction and do the most good for you!In that budget list your total debts with the total amounts owed per debt, the associated interest rate, and the minimum payment. This will allow you to prioritize which debt to aggressively tackle first.Once you have a budget, put it up and we can help you optimize it. Because all you are showing right now is 830month in expenses, but 1,375month in take home pay. Once there are real numbers there, the rest will much easier to help with.As for any other advice from what you posted, the main question I have is why do you own two cars? 