conversation: User (SubzeroMK): "Hello, well title says it all. I need your help getting mine and my fiancés money in order, Were sick of being broke, We are tired of living paycheck to paycheck wondering wether We are going to be able to make our payments or not.  \n\nI really would like to get an emergency fund started as soon as possible, while not leaving us 100% broke every week you know? How much can we spend each week on groceries?\n\nAs of right now we have a collective of about $50 to our name. \n\n(Sorry for formatting I'm on mobile)\n\nHere is my income and my bills. I'm going to put down everything I spend money on to give you an idea of where my money goes.\n\nWeekly income - $500 roughly, give or take $10 or $20 each week. This is after taxes\n\nYearly income - $500 a week for 52 weeks is about $26,000 a year. \n\nCar payment - $400 a month, right now I'm behind a month so I owe around $700 that had to get paid by March 28th to them.\n\nInsurance payment - $180 a month\n\nPhone bill - $180-$200 a month (I just got added to her plan and I'm going to look at how to drop this payment by a lot) it is for 2 iPhone 5c, with 10 gigs data.\n\nDaycare for my daughter - $500. This is split between my ex and I (my daughters mom) it's $1000 a month so I pay half which is $500.\n\nHealth insurance and other expenses for my daughter - $50 - $100 a month. My ex is my daughters primary guardian, so I pay her insurance plus I give her extra just for our daughter, clothes and stuff if she needs. \n\nRent - $200 a month. My fiancé and I love with my parents paying them $200 a month to live here. However we pay for our own food and drinks as well as pay for my daughters food, juice, milk and the like.\n\nGas - $120 a month. I figured I go through about a tank a week of gas at around $30 a week.\n\nExtra stuff - Xbox 360 Live is about $24 every 3 months. So $8 a month.\n\nMy vaping - I probably spend around $50 at the moment every 2 or 3 months. So about $20-$25 a months. Although I haven't spent any money on it the last 3 months due to a lot of free stuff I have been getting.\n\nLunches and drinks at work - I work in a field where I am outdoor doing hard physical manual labor for 10-12 hours a day. So I spend about $10-$20 a day on food and drinks. So $50-$100 a week. That's about $200/$300-$400/$500 a month?\n\nMy debt is about $600 total owed for credit cards.\n\nThat's all I can think of at the moment for me.\n\nHere is my fiancés income and bills.\n\nBiweekly income - $500\n\nMonthly income - $1000\n\nYearly income - $12,000\n\nCar payment - $371 a month\n\nCar insurance - $188 a month\n\nHealth insurance - $27 a month\n\nPlus all the hospital bills she acquired a year ago when she didn't have insurance and her school loans. \n\nI'm not fully sure what else she spends money on so I'm not going to try and guess.\n\nOne thing to remember for right now, she is on a 30 day leave of absence unpaid from work due to a knee injury. So I'm responsible for all the above bills for the next month. \n\nAlright so we have a combined yearly income of $38,000.\n\nCan anyone help us get our money where it needs to be, neither one of us know how to budget at all. It'll be starting this Friday. If anything needs to be clarified let me know. "
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