What to do about lifes common struggles?

just got married a few months ago. we're living in an apartment paying lust over $900 a month between rent and utilities. we just signed up for health insurance. the cheapest plan we can get that covers myself, spouse and maternity care is $350 thru my work. if we were to get our own plan form e-healthins.com the cheapest plan would be 450 to 500 and up. both vehicles are paid for. i have about 300 a month in student loan payments. plus we each contribute 6% for retirement. we don't make that much money. we choose to save any extra rather than go on vacations and stuff like that. ina few years when we do choose to have a child it will end up costing us almost 4,000 in co pays and deductibles. on top of all that we're trying to save for a house how do people do it? how are people supposed to pay expensive rent, expensive insurance and save money for a house? we've found that any house over 90,000 will be more than what we're paying for rent now. i don't want it all right now, i'm fine with waiting for a time and delaying pleasure but at the rate we're going it seems like we'll never get there.