<prompt> Human: THATS ALL BITCHES, TIME TO GO HOME AND ENJOY THE HOLIDAY!I just recently graduated from college, Im 34, Married with two kids, 5 and 2. I lost my job in 2009 after a very painful decline starting in 2007, I dicked around for a time trying this and that and then went back to school 3 years ago. I got a paid internship and they hired me on full time a year ago. I get paid 22 hour with the company paying 100 of medical 1200 a month - Very rare and extremely grateful. I get paid twice a month on the 1st and the 16th. I have one credit card with a limit of 500 and around 5,000 in old debt from my work truck that was repod in 2009 and 55,000 in new student loans from going back to school, sucks but I had no other options, high school drop out, with GED. The plan is with this year tax return is try and settle the truck debt, dump the rest into a used minivan for my wife, the car shes driving now isnt safe and has cost us more in repairs than it cost us to purchase. My Student loan grace period is up in February, so initially I have to choose the IBR option, which is not my preferred option. My take home pay is around between 2,800 - 3,200 depending on how the pay days line up.Heres my budget: edited to clarify---Rent: 710 Utilities: 150 Gas and ElectricCell: 100 Cricket, 45 a line X 2InternetTV: 100 29.99 comcast, 60 for Dish network, still have 18 months on contract, 330 disconnect feeGrocery: 500 Historically this is what we end up spending, track over the last yearGas: 260 50 a week for the car I commute in and 60 a month for my wifes carCharity: 300 Clarify this is tithing, yes it is high and yes when you marry someone you make compromise, going on 8 years and shes stood by me and supported me, this is something that she believes in very strongly, Welcome to marriage, its not so cut and dry nor black and white.Auto insurance: 90 This is for full coverage, I have one month left on my main car, I left it off the budget for clarity, I suppose I can save some on this once I make that last paymentCreditStudent Loans: 200Below this line fluctuates with our monthly income---Family: 200 covers kids stuff, clothes, school shit, activities etcMom: 240 Dad: 240this seems like a lot of money and it is but it works out to only 8 a day, pays for hobbies, fun shit like movies, and eating out on days we dont feel like making food---Total 3090Weve been talking about ways to cut back, I would really like to start funding an emergency fund, and I need to get life insurance. My aunt gave me a Roku this christmas and weve been digging that, well cut back Dish network to the minimal package for the duration of our contract and Ive been looking at Republic wireless, that would half our cell phone bill. TL; DR; This is my situation, whats yours? Im curious to see how other people live especially those with a similar income and family size? Edit the third All this talk bout Jesus reminds me of this great Genesis song For you young little bitches, let me introduce you to one of the best bands of the 80s. Jesus he knows me  <response>: I suggest cutting the 300 charity expense until you pay off at least your vehicle debt and have 6 months worth of living expenses saved up. However Im guessing its really a tithe since its 10 of your income, so it may be a higher priority to you than debtsavings funlife insurance, etc. Either way, its an obvious starting point from a purely financial standpoint. 