My wife and I are working our way out of debt; specifically, credit card (in lieu of student loans; I know this was a bad idea, don't remind me!) and personal (money loaned from her parents). Our current plan for the credit card debt is to get my credit card down to ~1/3 the limit, then pay hers off completely so that we are only at one bank; this may include getting a debt-consolidating credit card. As for the personal debt...we'll figure that out as we go. We also want to save for a house (northern California), get an emergency fund, have some multiple of monthly salary saved in case the worst should happen, etc.
Because of the nature of my job, I know with relative precision how much money I'm going to be making for the next 15 years or so, and I'm participating in my 401K almost to the max that my company will match.
Recently I've heard of/glanced at articles that talk about how much money a person should have saved up by various age milestones. We're way under even these broad guidelines.
Question: What can I learn to get out of debt AND save up specific amounts of money by a given time period without going to see a financial expert? I've heard lots of general (ofttimes very good) advice, just wondering if there are any specific suggestions for saving.
My bank offers free financial consulting, but I'm concerned/convinced that the advice would be at least a little bit (read lot) skewed in their favor.
Edit: Additional information -
Credit score is 648.
My APR is 20.49%, hers is a bit less (don't have it in front of me).
My balance is $2600, hers is roughly $5000 (don't have it in front of me).
The goal of paying off hers completely is mainly to have only one bank, but also to get away from her bank (Wells Fargo; bad stuff in the news, etc.)
Before we got our tax refund, we were trying to never use my credit card with...some success. Now the hope is to practically never use either credit card, at least for the time being.
Total debt is roughly $10000; current monthly net pay is $2818, after contributing 4% to TSP (work matches 100% of my contributions up to 3% of my gross pay, then 50% from 3-5%).
My wife and I are both 30, two kids in diapers at home.