<prompt> Human: This is hard for me to accept, but something has really got to change! My wife and I are adding to our credit card debt every month and our savings is very low 300. Theres not 1 big thing I can do to fix the problem, its got to be a combination of things, and I need your help on what would be worth cutting.My net income: 2,900month Wifes net income: 2,100monthMortgage: 970 includes tax and insurance WaterGas: 123month avg Power: 97month avg Wife car 11 Escape: 297.72 My pickup truck 07 Tundra: 343.73 Car Insurance: 124.05Wife Student Loans: 250 My Student Loans: 160Wife Credit Card min. pmt: 50month 2,270 balance My Credit Card min. pmt: 35month 890 balance Personal Loan min. pmt: 249month 9,320 balance, this used to be on my credit card, but I transferred it to this to pay it off sooner. Original plan was to not add anything else to my credit card, but that hasnt worked outCell Phones: 141.45 already down to 2GB to share, this is on ATT and with an 8 discount ATT UverseInternet: 168.07Daycare: 165.50week. This has been the real killer and has put us upside-down so to speak. We had our baby in December, and since we put her in daycare at 6 weeks old it has taken us from just getting by to having to add to our debt. Weve always kind of lived paycheck to paycheck...Gas: 260month Groceries: 450-500month Eating out: 250-300month We do a good job of taking our lunch to work, but its the weekend where we struggle. We almost always get something to eat on Saturday and Sunday lunch, but were better about dinners.If you add all that up, that only leaves about 320month left for household items, gifts, irregular bills eg. pest control -60quarter, etc.What advice can you guys give me? Unfortunately I dont think having only 1 car would work for us, as we work on opposite sides of town and have different schedules. Getting a 2nd job for me isnt really feasible, because I am on call for for my full time job once every 4 weeks for a week at a time. And I dont think my wife would be able to do it, shes always exhausted because of the baby and works pretty hard at her full time job. I will say that I spend most of my work day on Reddit, so if you know of a legitimate way to make a little extra cash online Id be interested, because Ive got the time.Again, I know something has to be done but I wanted someones outside opinion of WHAT needs to be done. Thanks.EDIT: Thanks everyone for your responses, most of you have been very encouraging and helpful. I would consider giving some of you gold, but I think Id be burned at the stake for it ;Update: I cut the cord! As of tomorrow, for the first time in my life, I wont have cable or satellite. ATT offered to help me save 48month with a promotion they had, but I said no thanks so I could save the 110 : Im going to see a car that I think will work for me on Friday, gets 29mpg, slightly better than the 16mpg I currently get... Thanks again for all suggestions. Some of them Im willing to go with now, some are a little extreme for me right now, but well see what happens.Assistant: Eating out: 250-300monthCut it down or eliminate it. Your grocery bill is also fairly high, but eating out when you cant make ends meet is clearly out of the question.Human: I just cant see how youre spending that kind of money eating out on just the weekends. Unless youre going to fancy restaurants all the time and if thats the case, you definitely cannot afford that. Since you both work, look into a slow cooker and rslowcooking. And freezer friendly meals. That should help the with the weekends. Assistant: We never eat at fancy restaurants, its really not that hard to hit 300. I figured:1 lunch meal each during the week: 15 Lunch for both of us on Saturday and Sunday: 30 1 dinner on the weekend: 30.Thats 75week, 300month.Edit: Not sure why I got downvoted so hard, I wasnt making excuses, I was just showing how we were spending so much.  <response>: Great, so stop all of them now. Theres your cash flow. The problem is you look at your previous situation as OK, when you werent. Even without the daycare putting you under you were broke and have no savings. 