<prompt> Human: Hello Personal Finance! My pregnant wife 21F and I 22M are currently working double time to get out of debt. Im working 2 full-time 40hour jobs and my wife works part-time at a daycare This gives us free childcare for our 6 monthold! And were expecting our second baby in May! I already have a 1k emergency fund.Now for the information!Total Debts 16,7004,700 left on auto loan.12,000 credit card debt.8,500 of this credit card debt is 0 until Jan 2018. The other 3,500 is on a 18 card. But, we are due for over a 3,300 tax return that I will throw straight at this debt. I know, interest-free loan to the government! But I started my jobs right before my first baby was born and before I met you, PF. And so, I have had too much in taxes taken out and did not factor in the 1,000 tax credit my baby brought.Total Income after taxes: 4,200-4,700mo7am-5pm job: 2,100moBartendingserving: 1,600moWifes daycare: 500-1,000mo hours and shifts vary as she is a sub, and just started working, so Im not exact here.Total Expenses: 1,700moFor the duration of my wifes pregnancy and our debt-free journey we are living with my parents to minimize our expenses.450 for rent Thank you parents!225 for car insurance50 for phone bill200 for gas 2 hour roundtrip commute75 for baby supplies100 for car payment.100 for auto repairs and maintenance0 for groceries Thank you parents!The remaining 500 is all budgeted between the following:Date nights, Babysitter, Haircuts, Netflix, Clothing, tolietries, and some small personal money.Leftover income: 2,500-3,000My question is this: After I pay off my 18 card, should I tackle my 0 credit card debt, pay off my auto loan, or start saving some or all of this money in anticipation of a second child?Thank you Personal Finance! I have learned a lot from you guys over the past months! We started with over 26k in debt before I found you guys!Bonus question: What is an appropriate Christmas budget? I have 12 siblings, and it seems like my wife wants to get EVERYONE something! :O  <response>: Christmas: we do stockings for everyone plus one secret santa gift and we set limits. This will help everyone, a lot of times people feel obligated to give expensive gifts when nobody really needs anything and go into debt for it... 