Internet please help | Laid off and no money

To give you a background about me - I am 30 years old, married & earned about INR 2,50,000 each month by working in a startup in Hyderabad - through which I am one of the 150 laid off due to funding dried up and performance.I am very bad in managing money and savings and is very prone to impulse large buying. I also have a little consumerist mindset and tends to spend more than he can save. I have controlled it by trying to become miser in general - but if I get spending, I can't stop.I am also family oriented meaning that I wont think twice before spending a large amount for family. I am also fearful about discussing money and thinking about money and is scared of numbers. i also tend to pick up cheques and tabs for shared expenses with friends and coworkers without worrying how I will pay or how and when will my friends will pay him back. This is my fourth job but there is no savings left as wall went into my MBA expenses and Marriage expenses. Current bank balance is INR 800,000. I have 6 credit cards that I use as deemed best for extracting the best value of the same. I have a home loan of INR 50,00,000 at 9% interest for 15 years. I have other education loan of 25 lakhs at 6.5% interest for 10 years - of which paid 8 lakhs. Every month, I pay 30000 off. I also take out 25,000 to put in emergency fund - started it recently so it's around 1 lakh. On my credit cards, spends are around INR 10,000 to 15,000 each on various household expenses.,Also, investing around INR 60,000 -70000 on mutual funds - chosen the funds randomly basis Google, Zerodha & Moneycontrol - invested around 3L in it. Planning to buy a term insurance plan which will have a premium of INR 26,000 per month for 5 years. My wife is 10 times more consumerist than me because she grew up in a family where money was not an issue. Though she earns INR 1,00, 000 per month she spends more. I have tried to tell her to spend less and save more but she didn't listen. Both of us live in a rented house where the rent is INR 35,000 per month and the household expenses like groceries are around INR 15,000 per month. We split the expense 70-30. I want to buy a house in 5 years buy a car, bike, save for my 2 planned kids, save for parents and send them amount each month, go on foreign trips every year. But There's no money left! I am trying for a job but market is bad. Help me please