<prompt> Human: I am 29, living in Bay Area, California. I was renting as a bachelor and paying almost 2200month. Since i recently changed jobs, the numbers of my paycheck went up, I had enough saving from previous job and some extra cash to buy a fancy car. One year fast forward, I bought a house for which I am paying almost 3300month mortgage but I am happy at least the money is not going down the drain as the rent was, I am married so regular expenses almost doubled. I used up almost all my saving buying the house and rest of it in wedding. Right now, I have a huge credit card debt, and can barely save anything after paying monthly credit card billsother billsmortgage paymentcar installment from the salary which 1 year back, I thought would be more than enough for me and Ill be saving a lot. What do I do to build up my saving again and get out of this hole? I am already cutting back on a lot of expenses, so that options already exhausted. Some smart tips and tricks would be highly appreciated. P.S. : My wife doesnt work right now, but she will be in a few months.  <response>: Trade in the fancy car for starters, even if upside down you can lower your payment a lot 