cicy33, we too struggled for a long time and at times it can still be difficult w/just a single steady income earner in our home. A couple of things that've helped build momentum is making a spending plan w/savings taken right off the top right after the tithe. Then pay bills, then any extra is the fun money. Of course that is just priorities.
Secondly, one place I'd advise younger people to cover with EXTREME caution, is to really limit the car purchases to what you can truly afford. Which may not be what you'd actually like to be driving. We upgraded way too often. Yes my Hubster is a good trader, but too many of those tags and excise taxes, etc., really took a bite out of our income. He also liked to upgrade on the computer systems. Any of those things I'd advise to wait as long as possible to make them - stretching out the time you use them before you upgrade and/or saving after the purchase to do the replacement. Then if cars must be financed doing the shortest possible time-line and then putting a big emphasis on getting it paid off early. Any credit you are carrying is literally a weight that you need to stop giving a free ride as it can really pull you down.
Thirdly anticipating expenses and putting them into the spending plan/budget and funding them BEFORE the proverbial hitting of the fan can be the turning point for you.
Keep hanging tough and you'll get to the top of that mountain! One step at a time w/FOCUSED determination will do it.
edited to add:
"From eureka to achievement, the evolution of a goal begins in the mind
and immediately takes shape when pen is put to paper. The goal progresses
from thought to sketch, from sketch to action, and finally from action to
achievement in real time. The achievement of a goal is an exemplary tale of
power, purpose, and potential." ~~???