You need to take the "about" total and work with actual numbers based on receipts and bills, that's the first step to understanding where your money goes. The next is adding up the full income and detracting your yearly expenses from that. After fixed costs are removed from your income you can see what's left to potentially save for emergencies, retirement, peace of mind or whatever else you need.

I do feel concerned that you're adding a baby to the equation because it sounds like she won't get much for mat leave if she gets anything which means you're working on one income with an unstable employer.

You're best bet is to pick up a second job and infuse your current income level with more money, you should pay off the credit debt as quick as you can within reason because you're living above your earning level by spending money that isn't yours. You should reserve your cc's for emergencies or use them only when you can afford to pay them off to earn points value.

The best way to budget strictly is to have clear communication between the two of you about what you need vs what you want and what you can afford. You should check out r/frugal for some ideas on cutting costs everywhere in life and shop around for everything. r/eatcheapandhealthy is helpful to for bringing down your food budget, you want that as low as possible so you might be eating the same stuff more often and not going out for food.

The baby costs are going to be huge, are you both sure this is what you're ready for? You can always make it work but it means really struggling for savings while providing properly for the baby. And will she stay in school? Will her job after school provide a decent income to add to your home? Will you have help with baby supplies and sitting?