Balancing Life

Does anyone have any helpful tips for routines and things that help you keep your life together as the cruise ship director of the home? I feel like I’m organized but this may just not exist and all I can do is the best I can do 😂 husband is great and I can give him direct instruction but any tips to help maintain some semblance of routine/organization with all facets of life?

Our CC bill is always around 20k a month. This includes daycare and utilities. I feel like this is really high? We don’t spend extravagantly-is it really just this expensive to live?