<prompt> Human: Numbers Incoming!! Budget: Rent - 325 Groceries - 200 Personal Money - 160 Fuel - 180 Consolidation Loan - 228 Credit Cards - 11 19 25 25 25 25 25 48 Credit Monitoring - 20 20 Pet Insurance - 33 Auto - 221 300 Cable - 61 Netflix - 9 Phone - 194 Insurance - 149 Total - 2303 Average Incoming - 3700 35kyr for me, 26kyr for her Average depositing into savings - 1000 to 1250Debts: CC - 114 26.99 Care Credit CC - 1138 22.90 Credit CC - 262 19.99 Credit CC - 292 22.80 Firestone CC - 82 25.90 Store Card CC - 1129 18 Store Card CC - 198 25.90 Store Card CC - 418 22.90 Credit Auto - 5362 7.75 and 11614 4.49 Consolidation Loan - 8035 9.99 Total - 28644 Total minus loans - 3633Collections: 3291 and 1156Savings: About 1700 right nowNow that this is out of the way, my fiance and I are getting married in May. We currently live with her parents in their partially finished basement, to assist with child care, but mostly to help us save up for the wedding and to possibly buy a house after. We currently have about 1700 or so in savings, and with the birth of our first child last year, we are looking to get about 6500 back in taxes this year I claim 0, Im comfortable with more taxes being taken out per check.Her parents are paying for most of the wedding, our portion of it should be no more than 4k. In addition to the tax return, my mother passed away 11 days ago, and I will be receiving 13rd of her 50k life insurance policy once we receive the death certificate. With the way I have budgeted, even if you do not factor in the life insurance, I have it budgeted to be able to pay our portion of the wedding, save 5k by June for a possible down payment I know its low on a house, and still have savings coming in which would provide for both a small vacation roughly 2500 in cost in August that we have planned and a 2500 Christmas budget for our family and each other.To explain the finances: Credit monitoring will be going away, to be replaced with 30mo gym membership for her. Pet insurance cannot go, my dog is old and has health issues which easily justify the cost. Personal money is what we use for snacks and eating out and stuff. Fuel is high right now as we live much farther from work than we used to. Phone is high as I pay to have my younger brother on my account. He reimburses me for his portion, but I factor in the whole cost to my budget for safety. The consolidation loan was mostly to pay off a bunch of old collections for her, and we paid down my credit cards at that time.To explain the debts: we only have 3 credit cards, all through Capital One. 2 are hers, one is mine. We each have a store card from the same jewelry store that we used to purchase weddingengagement rings. We have a shared store card from another big box store. The Firestone card was opened to pay off an unexpected vehicle expense, and we use it for oil changes, annual maintenance, etc. Care Credit was opened due to my dog almost dying, right in between pay periods, but we can also use it for our son in an emergency as well. The 2 collections are old medical debt from before we both had health insurance.Currently neither of us contribute to 401k. Our son is on my health insurance, and she pays for single coverage for both the employment flexibility, and to reduce my taxable income. When we get married, we will switch to a family plan. I plan on taking my portion of the life insurance and paying our credit cards and revolving accounts down to 0 again. We plan on banking the rest to put toward a honeymoon possibly since we dont know whenwhere we would even go yet.My regular budget has us with around 5k to put as a deposit on a house, and there is flexibility to bump our RentMortgage payment up to about 1k without really affecting the budget very much at all, aside from a slightly lower projected savings in 2015 and on.We are looking at between an 80k and 120k house. Do you think we can do it? Feedback, suggestions?EDIT: Appreciate the answers, even if its not what I was expecting. I will reply to them when I have more time. Thank you all!EDIT 2: For transparency, I have upvoted and replied to almost every comment here. It may look like I am being combative, but trust me I am taking all opinions to heart. This is great. I have to go to bed now as I work overnights, but this was excellent. I will try to reply to the rest of the orangereds I get tonight at work.Assistant: OP, Im going to give it to you straight because I care. You have come up with an excusejustification for much of your debt and it seems that you are disregarding some of the best advice I have seen. You dont have the right mindset right now. The first step is coming face to face with your spending habits. You know where your debt is, so that is a great start. Spend some time reading these comments with out justifying everything, and really contemplate what the problem is. Human: I appreciate you trying to give it to me straight but it really pisses me off that people dont know how to have a discussion on an issue with differing opinions. Your life the general use of your experience is not the same as mine. Understand that I will take advice into consideration, but I have to apply my own experience and situation to it. Nobody here knows a single thing about me, other than my current financial situation.  <response>: Nobody has to know anything about you. The math in simple and a determination can be made without knowing anything else. You are not ready.The more to keep posting BS stuff like this, the more evident it becomes that you are FAR from ready. 