<prompt> Human: LONGHey Guys. I keep seeing people who get their stuff figured out from your advice. Maybe you can help me get my stuff figured out. Short Bio: My wife 24 and I 23 live in Denver. She is a full-time 5th-grade teacher making 39535 before taxes. I am in grad school full time 10 credits, work as a carpenter at 17 per hour two days a week 16 hours per week and as an intern as a youth pastor at a church suppose to be 15 hours per week, really 25 at 646 per month plus tuition. We have a 5-month-old puppy and are expecting our first baby in March. Last month my transmission blew on my car I use for work, putting me back 3k on a credit card in addition to my debt I had already. My wife and I have approx. 62k in school loans. Below is my current budget. It is not working. Help? In the perfect world, I could quit my carpenter job and my church would hire me on full time and pay me a fair wage. At this point, there is no money in the church budget for this to happen. My credit score Transunion is 759. My wifes is 765. Id love to have my credit cards paid off in six months before baby. This would need 900 per month. I also need to have savings set aside for baby. Ideally 500 per month. This budget is pretty much minimum. The only things that can be flexible include the phone bill we both need new phones. The 95 is if we switch from our parents plans and get new phones. Otherwise, this can be reduced to 50 if we dont. We both need internet for our jobs. Our car payments could be reduced, but I feel like this is a bad idea. We have hardly bought any clothes since we got married over two years ago. Most of our clothes are starting to fall apart and will need to be replaced in the near future. Current Balances: 1800 Checking - 600 Savings - 1200 Debt:-5425 Credit-76000 Loan cc1 - -357 2500 Limit cc2 - -3247 9000 Limit cc3 - -853 11000 Limit cc4 - -967 6000 Limit Car Loan 1 - -9892.59 Car Loan 2 - -4588.76 Student Loan 1 - -30551 Student Loan 2 - -31,000 Current Budget: Monthly Income After Tax 3786.31 HOUSING: 1,555 Rent 1240 Phone 95.26 Electricity 24 month average 82 Rent Insurrance 18 Internet 40 Utilities Water, Sewer, Trash 80 average TRANSPORTATION 711 Car1 Payment: 251.43 95 min required Car2 Payment: 150 140 min required Insurrance: 165 Fuel: 145 average FOOD: 450 Groceries: 400 conservative Dining Out: 50 probably more Entertainment: 0 Dates: 0 used to have 50 because dates are important in a marriage. Cut it to make it by. SAVINGS INVESTMENT 280 Puppy: 0 this needs increase Emergency Fund: 280 Baby: 0 this NEEDS to increase CHARITY: 415 Tithe: 380 do not want to decrease this. tithing is important Charity: 35 Total Expenses: 3808 Total Income: 3786 Please help. I could use your wisdom to get on track. edit - formatting  <response>: Its my humble opinion that you need to stop tithe and use that money for your kid and puppy. Or get rid of puppy and kid. Cant have it all. 