You are paying too much in rent. You probably need to find something about 400-500 month cheaper.
You are paying an awful lot in gas. I have a gas guzzler and drive 17 miles one way to work. Even so, I only usually fill up about once every 10 days. Perhaps you should live closer to where you work (since you are renting you have that option)?
You are tithing 10% and saving nothing for yourself. Charity is great if you are taking care of yourself first. Otherwise, you are gonna be on the receiving end in 30 or 40 years. Cut your tithing in half and save that money for retirement.
You are likely paying too much for car insurance. I pay just over $900/year for a near new car. You are paying $3k. You should be able to find insurance for 2 cars under $2k/year.
$800/month seems like an awful lot for groceries, even for a family of 3.
$600/month on outstanding debt of $15k is awfully high (unless you are making extra principal payments).
FWIW, I was making about as much as you a few years ago and paying the mortgage on a $370k house and payments on a new car. However, I have 0 in credit card debt (although I was paying $50/month on a student loan at the time).
I pay cash for everything. The credit card only leaves my wallet once a year to make the bank happy (or they charge me a $30 fee) and is there for catastrophic emergencies. If I don’t have the cash, I don’t buy it–it’s that simple.
