<prompt> Human: Warning: Long post. My last post my fellow Redditors wanted more specific details. I had to make a new post.My wife and I really want to be out of debt and in a better position.I work for a truck and trailer repair shop. I work in the parts department. I come from a background of mostly warehouse work. The pay was abysmal. Usuallly 9-10 an hour. I started out as the parts driver making 11 an hour. Now Im a parts clerk. I make 15 an hour now. Most money I have made since I have started working.I work 40 hours a week. Its a challenge for me because I dont know the diesel industry that well. But Im still learning new things every day. Im glad my boss gave me a chance. I still worry about getting fired. Im sometimes very anxious about this. Dont really want to go back to working for staffing agencies blehMy wife works for a childcare center. Making 10.50 an hour. She works 28 hours a week. She has been with the company for close to 10 years. The owners are very tight wads. I tell her all the time she should be making more than this with her experience. But living in Utah childcare teachers are not paid that well. She really wants to stay home and take care of our son Liam who is 16 months old. Monthly expenses rough estimate on some thingsGroceries: Between Costco and the grocery store 200-300 a month. Rent: 750 mother in law owns the houseCable Internet: 65 a monthCar insurance 75 a monthTmobile: 150 a monthFuel for two vehicles: 200-230 depending on gas prices. I get my haircut either once a month or every three weeks. I get it at Great Clips since its so close to the house and they know how I like my haircut. I pay 14 for this haircut. My hair grows really fast lol.Monthly debt:My old Capital One balance currently stands at 2,217.Limit is 2,500 Interest rate is 19.80 Minimum payment now stands at 61 dollarsMy new Capital One cc is 400 used with a limit of 2,000 dollars. 0 interest rate until April of 2015.Not sure on the minimum. I just paid more than the minimum. We plan on using this cc as a debit card to help build our abysmal credit scores.My wifes Capital One is at 174 with an interest rate of 22.90. Her limit is 200. Minimum due is 25Amazon store credit card is currently at 650. Limit is 800 and 0 interest until next year. Minimum due is 30 a month.We owe my mother in law as well. She has helped out tremendously. She put it on her Visa credit card when she helped us out. Current balance is 2,100 and with an interest rate of 9. We have been paying 100 as part of our rent. Also my wifes grandma. Sweetest woman in the world. I want to pay her back as soon as possible. She has helped us out. When our transmission went out on our Mazda Tribute. We currently owe her 3,000 We are not diligent on paying her every month. Life happens sometimes but she is very understanding. I feel bad for borrowing money from her.Paypal credit card balance is at 490 with a limit of 500. Interest rate is 26. Minimum 30.Stupid stupid car loan. Owe 11,000 on the 2008 Mazda Tribute. 340 a month and at 14.4 interest rate. Tried to refinance twice. No bank will touch it because how upside down it is and we both dont have the best credit. We did medical bankruptcy in 2010. Also we dont have a co-signer and we dont want one. Explaining the high cost of our Tmobile bill. Still paying on our current smartphones. We still 300 on my phone and my wifes iPhone 500. Paying this off would give us an extra 50 every month. No interest.We both have student loans. I will be going back to school next month. Im very excited. I dont want to compete anymore for warehouse work with high school graduates. I really want to improve our lives and provide financial security for my small family. I did apply to be a Lyft driver to make ends meet. Also my wife does swagbucks and makes 100 a month doing that. We both are shop cheap recently We shop at Savers and other second hand stores in our town. No gym memberships here either. Only membership we have is the Costco membership.We both have tremendously cut back on going out to eat and other small purchases.Whew! I am really hoping to get good serious and solid advice. We both are following Dave Ramseys advice and we also own YNAB. Thank you in advance.EDIT: I just barely started a 401K at my job. The company will match 2 to 5 percent. I chose 2 percent of my paycheck to be taken out. We dont have any real estate or any other investments.  <response>: Hi! As an introduction, I come from a blue-collar family with tight finances, and know what its like to live on next to nothing.Firstly, youve got jobs, thats great. Thats a foundation you can build on. That said, theyre really not great jobs, theyre not paying well at all. You two are going to have to have a serious discussion about career options, what you can be happy with financially, what work you might find fulfilling, and how hard you might be willing to work in terms of education and effort in order to get ahead. You say youre going back to school: to study what? Have you looked into skilled trades like welding, electrician, plumbing, HVAC?Childcare is not a well-paying profession. Would your wife consider nursing, medical tech, HR or other good careers? Does she have the educational backgroundinclination to get into something like that? If your kid is 16 months, are you paying for childcare while your wife works?Pick up extra hours where you can. Dont give up your better-paying job unless you have something else locked in. Im concerned about you heading back to school when your wife is part-time and barely above minimum wage. Are you taking night-schoolcorrespondence?On to your budget. Im delighted to hear youre using YNAB. Join us over on rynab for more specific software tips. Used diligently, its a powerful tool for taking control of your spending.Firstly, are you taking advantage of all the social benefits available to you? I know theres SNAP Not sure, but CHIP and WIC may also be relevant. Also consider your local food bank. Are you a member of a church community? Take advantage of offers of kids clothes, toys, etc. Check out the Craigslist Freebies section.Youre in debt. Youre in a financial emergency. Every spare dollar should be going to those credit card debts, in order of highest interest rate. Only when those are paid, address the personal loans and student loans beyond the minimums.Im going to be blunt: you two are being stupid about your phones. Youre not busy professionals, or big-city types earning lots of disposable income. Smart Phones are luxuries, even today with every kid on Instagram. Sell your phones transfer the contracts on Craigslist. Transfer your numbers to cheap prepaid dumbphones. Next, you owe 11k on the Mazda. How much can you get for it? Your next job is to save up the difference between your outstanding debt, and what you can reasonably sell it for, PLUS 2000. Then you find a usable 2000 car, sell the Mazda, and buy the replacement beater. Increase your 401k matching to 5, thats free money youre passing up otherwise, even if its going to retirement funds.You need more money. Sell anything you have that you dont need on Craigslist. Books youve read, CDs, DVDs, knickknacks, sports equipment, etc. It takes a few minutes a day to list things arrange pickup, and can net a few hundred dollars you can put towards your debts. STOP putting shit on credit cards. Never buy anything you cant pay off this month. Pay off your debts, save up an emergency fund of 6000. Oh, and get your wife to learn to cut your hair. Worst case, 30 clippers with a 3 guard on top, 1 on the sidesback.Can you cut your cable to just internet? Heres a 40mo plan: Get Netflix for 8, and your entertainment needs are covered. Savings: 17mo. 