Who can i call to help advise me how to save money each month from our paychecks & putting money in kids savin?

Before you pay anybody to tell you how to spend your money, put your budget on paper.

Write out how much is coming in and then start writing down rent, car, gas, food, utilities, phone, and all the other expenses that you have to pay every month. Once this is on paper, you can see how much is going where and you can start to determine where you can shave spending or reallocate spending. Try to take as much into account as possible. Don't conveniently forget the daily expense of that $5 cup of whipped cream sugar coffee drink you buy every day or that pack of cigarettes.

You have the power to assess your current financial situation and make an action plan. Also, I don't think a bank is going to give you advice about anything that doesn't include you giving them money.

I would put off the luxury car and apartment for a year - or until you have a certain dollar amount saved and possibly a certain amount of debt paid. You are in a good financial situation and there's no need to rush into expensive toys. You'll want a down payment for the car, the more the better but 20% is a good start. If you'll be taking out a loan, make sure the monthly payments are incorporated into your emergency fund. I don't recommend dipping below 6 months in emergency. Once you've got that much saved, start putting some of that extra money toward your student loan. I wouldn't go with the theory of socking half your earnings in savings. Chances are that student loan (and possible car loan) is charging a higher interest rate than savings/MMA/CD's. Check online banks and credit unions for higher rates, but they're all about 1% or less. Better to keep enough liquid in savings/mm/cd's for emergencies and put the rest toward paying down higher interest debt.

Standard guidance, put at least 10% of income toward savings. There are lots of sources for personal finance advice; do some research before trusting a stranger that may have their company's best interest in mind instead of yours. DaveRamsey.com has lots of advice. There are also plenty of books, like Rich Dad, Poor Dad or The Millionaire Next Door. Try a search of amazon.com

Keep 10 cents out of every dollar you make and invest it.

Read this: http://www.amurrayenterprises.com/The Richest Man In Babylon.pdf

A banker will specialize in this sort of thing. Just go to your local bank!