<prompt> Human: I am married, 31 years old, and have two children under the age of 3. I own a house, 2 new cars, 2 student loans mine and my wifes, and have a hospital bill that I pay monthly. I have no credit card debt, and my credit score is in the 760s. My and wifes discretionary spending is pretty out of control, mostly due to major depression, ADHD and anxiety causing us to struggle to plan and prepare healthycheap meals and to sometimes engage in retail therapy. We have some expenses, such as house cleaning that are key to our survival cleanlinessimproved mood, which is invaluable in raising kids, etc.. Ultimately, I think it is our mental health and more specifically self-discipline that is the cause of most issues. Here are the numbers:I make gross 5k every two weeks. After taxes 1303.45, medical 228.36, and 401k 200, due to 4 match offered, I net around 3280.I have the following debts:Name, Current Owed, Rate, Monthly Payment, Asset Value Hospital Bill,5,050.00,0.000,150.00,0.00 Paying Minimum Student Loan - Federal,7,164.07,5.600,130.00,0.00 Mine, Paying Minimum Student Loan - Sofi,42,000.00,3.750,410.00,0.00 Wifes, who is stay at home, no income currently Honda,22,892.42,2.790,504.00,29,500.00 Paying Minimum House,171,964.58,3.625,1,275.00,181,000.00 minimum is 1075 55 ARM, 18 months in Hyundai,27,029.02,0.000,501.00,26,710.00 Paying MinimumTotal monthly outflow towards debt is 2970. Adjusting 26 payments for 12 months, my monthly inflow is 7107. In theory, we should have 4137 remaining each month for added debt payoff and all other expenses. Here are my remaining non-debt expenses: Preschool - 135month Gym - 20month Cell - 162month House Cleaning - 100month Video Streaming - 28month Internet - 62month Insurance CarLife - 170month Energy Bill - 250month Food - 1400month Gas - 200monthThat adds up to 2527 spent, or total 1610 remaining.The remaining 1610 just sort of evaporates. Which as Im typing seems to be totally ridiculous. Some of it is things like Christmas presents, travel to visit family, hobby costs I do woodworking on the side, kids clothes, doctors visits, medicine, vehicle taxregistration, toiletries, diapers, various supplies, etc.A few other numbers, then some conclusions and questions. 401k amount, fully vested: 31k Savings: 1000. Work bonus expected in January: 19.5k gross 11k net, guessing Tax Return expected in FebMarch: 3500 guesstimateSo, heres what I think I should do:1. Reduce food costs - perhaps use one of those online services that deliver meals so we dont go spend 40 at Cracker Barrel on a whim. Id love to find someone to do all my shopping for me with a specific budget so we dont have the chance to overspend...but that doesnt fix the root problem.2. Identify what the hell Im spending money on with the remaining 1610 and make cuts where possible.3. Sell Honda. The Hyundai is slightly underwater, but its a 0 interest rate, and my Honda would yield 6-7k and insurance reduction costs. The MPG is about 8MPG higher on the Hyundai. Wed have to share which would be tough and my wife would fight this hard.4. The 11k Im expecting to come in, use a portion to pay down the small student loan highest interest, use another portion to attempt to negotiate a reduced total payout from hospital I owe 5050, propose I pay one lump of 3k to wipe the slate clean., leave the rest for savings.5. Stop paying 200 extra on mortgage.6. Take all the savings from above guesstimating 1750-2000 and start paying extra on Sofi loan7. Tax re-evalutation coming in 2 months for my house, and depending it be worth an appraisal to improve our LTV on the house.All that being said, Id love to hear your thoughts on a few items:1. What are your general thoughts on above? Is my plan logical?2. How should I handle the crazy oscillations that come with the uneven schedules of month payments vs. bi-weekly paychecks? Sometimes I have almost no money left, and sometimes I have more which gives the false feeling of having more money than I really do.3. What about savings? At what point in my debt payoff should I sock more away in savings, investments, retirement?4. There is a strong possibility that Ill need to sell my home in 2016 and move to Dallas with my company. How much the company will give me for the move is entirely uncertain--my guess is 10,000, probably with restrictions on how I can utilize. Additionally, I could make between 0-80 bonus this year depending on company performance. Should I take any of this into account?Sorry for the novel--I dont know anyone personally who can help advise me on this...my whole family is not well off probably for the same reasons I overspend, and no one has experience in this level of . Most of my decisions have been made by learning on this and other subreddits and reading blogs, books, etc. Clearly the biggest issue is self-discipline, which is more a a journey than a quick destination.Edit: formatting  <response>: I think you need two reliable cars. I just dont think they both need to be new models for which you have to make payments. The whole car sharing with kids is just going to be a hassle. You should have probably bought a cheaper commuter used car for yourself. The highest interest is less than 6 so it is not onerous. My biggest concern would be having no savings outside of your tax deferred account. You have no assets and significant demands on your income, and you are reliant on a single income. What would happen if you lose your job and takes a few months to replace it? The whole self control is something that you need to come to terms . Tracking expenses would be a good step. You can also get into an investment program that automatically deducts from your checking account every paycheck... maybe that will help. 