I’m curious about the credit cards. After re negotiating them, will you end up paying more in the long run by decreasing your monthly payment? If so, I’m not sure you saved.

You stopped a cleaning service? Why, when you spend more time at home, we’re you getting one to begin with. Two people. Small apartment.

The most important thing, you did not mention, is the two of you sitting down and creating a budget. This should be done every month until you get where you want.