<prompt> Human: Hey All,So ill cut straight to the point, my wife and I bought a house last year and now currently have a baby on the way. Neither of us have ever been particularly good with money but ive always made enough that its never really mattered aka spend what I have. Now that I have a baby on the way I would really like to start to seriously plan for our future but am pretty lost.Me - 3,000 month after taxes I have lots of wiggle room here, I am part owner in an IT firm. In terms of expenses, besides the obvious ones like gas I am not sure exactly what I should be writing off. We have an office but I work from home quite a bit as well.On paper its not a whole lot but things like my house down payment and yearly property taxes are paid through the company as well as all my fuel, some clothing, cell bill etc..Her - 800-1000 month. Debt - 8,000 on visa roughly 2000-3000 is company debit which will be paid off by them Car - Paid Chrysler 300 2006 CarHouse Insurance - 208.15 month Mortgage - 836month Student Loan - 141.52 month InternetTVPhone - 129.89 month Food - 400 month HydroHeatWater - 400 month Gym - 112 monthOn paper we should have between 1200-2000 extra month but our savings are exactly 0. Being self employed, I am not sure the best options for saving for a rainy day so to speak. I would very much like to retire with some decent savings and also start a college fund for my kid. It really hit me as a shock when I saw that my Creditcard has ballooned to the 8,000 limit I never thought it would be this bad and I really dont want to let it get any worse. I want to plan for a financially secure future for my family.Any advice would be greatly appreciated.  <response>: Find out where your money is really going try mint, all the money. Then cut back on stuff and pay off that credit card ASAP. 