You owe 30,000 yuan, the family income is 5,700 yuan per month, the expenses are 2,500 yuan, and the remaining 3,200 yuan will be paid off in ten months. But in August, when the child was born, tens of thousands of people had to go in. When the baby grows up in your wife's stomach, the cost of examination and so on will make your 1000 yuan pocket money insufficient.
Considering your situation, you just need to make sure that your wife's maternity insurance is in place.
Don't talk about financial management and purchase for a year. We'll see in 6-8 years. There is no need for clear planning now, because planning always lags far behind change.
After about two years, you will start to have some spare money, and then you will consider starting to manage money.
Remember: financial management is to put the rest of the money on a higher value than bank deposits. Even if there is a deposit, we should make it easy to control in order to adapt to increasing income at a critical moment.