Budget Breakdown and Debt Confession

I'm putting my budget out here for a couple of reasons. One, I'm very curious about other people's budgets and I love when I find a post that's honest and that includes specific numbers. Two, over the past couple of years I've managed to pay off about 25K in debt, but I don't really have a record of it and I think it will be nice in the future to be able to look back and see how far we've come.

In order to pay down debt our family of 4 (almost 5) is living in a two-bedroom apartment in a house that belongs to my family, which is why you don't see typical housing expenses on here and why we are able to live with one income in a very HCOL area.

Income after taxes:
Bi-weekly paycheck 2,155
Residual payments from law practice conservatively 100/month
Monthly income approximately 4,400

Expenses:

Fixed
Car Payment #1 360
Car Payment #2 300
Ins. 120 (Life, Car, and Renter's)
Bar Loan #1 105
Bar Loan #2 105
Undergrad Loan 100
Netflix 12
Homeschool Website 6
Subtotal 1,100

Variable
Speech Co-pays 80
OT Co-pays 160
Social Skills class 80
Gas 250
Groceries 400
Other 500 (Clothes, eating out, entertainment, unexpected stuff)
Haircuts 25
Subtotal 1,495


Goals for Debt Payoff:
Pay off zero interest card #1 1000
Pay off credit card 3200
Pay off zero interest card #2 2700
Pay off undergrad 2000
Pay off Bar Loan #1 9000
Pay off Bar Loan #2 9000


Debts I Can Live With for Now:
Van 12,000
Car 17,000
Law School Loans 250K? (On income based repayment plan with 25 year cap, will likely never truly pay off until 20 years from now).

Since I last blogged...

- My husband finally had enough of the law, and so we made a plan for him to change careers. He took two actuary exams, did an internship at an insurance company while still running his law practice, and finally accepted a full time position as an analyst. We now have health insurance, a 401(k), and a predictable paycheck every two weeks. - We prayed for a third baby, and I'm two months away from having another sweet baby girl :) At night I think about what to name her. - We took Henry out of state and had him evaluated by a team of child specialists. He was diagnosed with autism. If it was two years ago they would have called it Asperger's, but that's not a thing anymore, so everyone is on the spectrum now. - Over the summer we spent a lot of time finding and going to services for Henry. He does speech, occupational therapy, social skills classes, swimming and therapeutic horseback riding. He took piano lessons for most of the summer but is taking a break now.I would like to find a behavioral therapist next. - Now that we have a steady income, we've been trying to drop debt and save to buy a house. It is depressingly hard for a family with one income to buy a house in NJ. I so wish homeschoolers could opt out of property taxes or at least get a tax break for homeschool stuff. - Greg took and passed a third exam this summer, and decided that he would try for one more this year. The test he is currently studying for is Oct. 30th, exactly one week after I'm scheduled to have a C-section.