<prompt> Human: Family of 3. Wife is a teacher, 30k income. Me , 60 k doing IT work salesforce admindev trainee, and a baby. 695 rent420 car 325 car 640 daycare254 student loan wife171 student loan me154 cable191 insurance161 phone450 my expenses 40mi each way, smoker and drinker300 wifes expenses 40 mi each way, non smoker, non drinker400 groceriesThose are all the things discretionary. Where do we cut out? We make ok money but somehow after this, we have 20. How do we make it so we can get a house? Assistant: Selling the cars is an idea but the civic was bought new so still upside down and the corolla is a few years old so it could be an option to sell that. Wife makes enough, barely, to give us a plus in the budget and to let her teach which she loves. Phones are out and maybe cable football season is coming up and we both do fantasy and hold Sundays at our place for the league which pays for red zone for us. Im planning on a hard quit smoking date of aug 18 and cutting back now down 6 cigarettes today which isnt great buy its something with work chipping in 100 for a quit smoking thing this month. Phones ill talk to my boss about but not sure ill get much there. Leaning toward looking for a new plan. Daycare, Id like to switch but wife is infatuated. Thats going to be a talk. Drinking can be cut down. Wife is working out and joining her on that. Im much more fit and active but spend more than she does so if I spend more time getting fit, less drinking, happier wife, happier life. Working over the summer is almost a wash right now with daycare cost so we havent looked far into it. Maybe after hes potty trained. We pack lunches and I car pool she doesnt know anyone that can or she would Great advice everyone. I took a lot to heart and ill let you know in a few days what I changed. Taking 3 days off to clean this run down place to make it livable but seeing we are pushing off a house buy at least 2 more years. Ugh. But itll be because we were smart and not getting in over our heads. Making calls Wednesday.  <response>: As far as the cable tv goes, Im a big sports fan and I cut the cord early this year once I found some acceptable streaming options. Basketball - 90year - Hockey - 120 - Football - 250 - picking up nfl gamepass Netflix - 120year HD antenna for local channels - 40Total 620Your cable bill is 154 - so your cable tv portion is what 90month or 1080 a yearSo cutting the cord would save you 460year or 38month. And even more if youre not interested in basketball and hockey. 670year or 55month 