<prompt> Human: Last Fall, we started to budget for the first time. We were actually making some decent headway I was able to pay off a 2k credit card until he proposed. Then things sort of went out the window, as we picked a wedding date only 6 months away.We didnt want a huge, extravagant wedding, but even a modest one by most standards is still in the 10k-15k range. Luckily our parents did help a little with that endeavor. We actually get married in less than a month, and unfortunately, have spent a lot of time bemoaning the fact that we didnt elope or have a smaller wedding just due to the sheer amount of money that goes into it.I would estimate that we have about 60k in debt, including both of our student loans neither of us graduated, both of our car payments, credit card debt mostly wedding-related, around 6 or 7 k, and normal living expenses. Thankfully we recently moved into an apartment that is about 100 cheaper with central heat, so our day-to-day expenses are very minimal.However, if this wasnt enough, I also had to have a surgery recently. This loped on about another 5k in medical bills, give or take. Add to this the fun of trying to conceive within the next year medically necessary if we want kids, and were about ready to crack under the pressure.Im so frustrated because I want so badly to be debt-free, so we dont live like either of our parents. We both wanted a house by next April okay, or sometime reasonable, like the next few years, but I really dont think that is going to happen. Saving 20 for that down payment is obviously optimal.I guess, in my very long-winded way, what Im trying to ask is: what would you do? Where do I start? HOW do I start?!EDIT 1:Holy shit, you guys. In the month of May, we spent a whopping 5049.28! To put that in perspective, our combined income is somewhere between 3700-4100 variable due to overtime. Even if I subtract out my medical bills paid as well as the vet expense for my cat as these are not likely to recur, at least not in amounts such as these, we still spent a whopping 3637.34.Breakdown:-- Rent: 625.00 -- Gas: 219.83 -- Groceries: 497.90 -- Convenience Store getting something to drink while driving somewherecandyetc: 117.86 -- Shopping clothes, hobbies, etc: 243.48 -- Car Payments combined: 605.00 -- Eating Out usually we dont eat out this much, promise!: 261.49 -- VetPet Store: 254.18 -- Medical Bills: 1157.76 -- Gym Memberships: 40.00 -- NetflixRenting Movies: 26.41 -- Student Loans: 360.00 -- Electric Bill: 72.03 -- Phone Bill: 187.96 -- Credit Card Min. Payments: 217.00 -- Internet Bill: 98.38 -- His Car Insurance: 65.00.Assistant: Start by getting a full budget. List all your income, all your debts, all your spending. Figure out exactly where each penny is going.Human: Do you recommend good old fashioned pen and paper, or is there some kind of programapp that is useful?  <response>: Whatever works for you. Right it down here if you want. 