Read Dave Ramsey's book "The Total Money Makeover". For someone in your shoes he recommends writing a list of all expenses starting with essentials (food, lights, shelter), moving through wants (phone, cable, savings), down to luxuries (vacations, new car, etc). Work off of your wife's salary to start and go as far down the list as you can. When you get some income coming in you can start to move further down the list.
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