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How's your husband with money? I know it sounds cliche but... you need a budget! To help yourself to know where the money is going... considering your annual combined income is decent, there's no reason why you can't save at least 20-30% of your salary? And if you're interested in a...

Hi OP, 1. Understand you got married in Apr hence the big bills. But have to agree with Sanj though about how your combined income is $150k pa but only saving $2k/month - should be able to do better that that? 2. I'd think paying off the "bad debts" as quick as poss would be the priority...