<prompt> Human: So, Im having trouble trying to figure out how to save and pay off debt at the same time. I posted here before talk about me and my fiancé moving in together and combining our salaries and debt. So if figure if I lay it all out there I can get some clarity from someone, anyone.. I bring home 1100 bi-weeklyShe brings home 750 bi-weeklyCar payments - 2 cars 36k combine debt for a total 680 a month Car insurance - 250 a month Credit card - debt 5k combine total, paying min payment at 600 a monthGas - commuter 625 monthlyRent - 800Phone - 220Vacation rental - very very stupid decision, impossible to sell 14k total at 155 a monthFood - varies 300-500 month for family of 5Hygiene - 80 a month give or take. Cable, entertainment, dinners - 180- or more as we are bad at this budgeting... a month and that includes Netflix hulu and Internet plus movie date night once a monthChild care - 100 a monthIf Im Missing anything I can add later. We need to fix this because we would. Like to buy a house in 5-8 years. Any tips on helping us save or organizing better.. Any money we have left over we usually end up using it for fun instead of saving. Please help Edit: income are both bi-weekly 2nd edit: as for the car and commute. I drive 86 miles to work and the same back, thats 172 miles a day 25 a day for 500 a month give or take, if I dont go anywhere else. She drives 10 minutes to work 60 for two weeks, 120 a month.3rd edit: wow, the car things is probably the most pressing so that will need to be addressed and for everyone talking about the commute. Yes its insane and I have been trying to get a job closer to home but its been almost impossible. I live about an hour away from Sacramento and my title is warehouse manager take home around 50k a year. I only bring home that much because the rest pays for medical dental, 401k and life insurance. My town or anywhere close to where I live does not offer many jobs that pay decent enough to consider plus. And moving to Sac is impossible because of our family situation. But Im trying to find a better and closer Job asap. And we did get YNAB but we cant even use that correctly. Haha. But yes we need to budget and make painful cuts  <response>: Funny that you call the rental a huge mistake but not the car loans. You should strongly consider stepping down in cars. 