My husband and I have no credit card debt but we have $130,000 in student loan debt. We have a 4.5 percent fixed interest on our mortgage and 26 more years on the loan. We have $15,000 in savings. After our bills (not food, clothes, entertainment etc) are paid we have about $3,000 a month. What is the best way to budget that money? We do not have any investments and we have an infant baby.