 House payments are awful high, but it's 33% of your payroll pay. That's left over from the divorce. That wasn't what you signed up for. That's left over from the divorce, but that's part of what's tanking your monthly budget. Getting on a written plan will make you feel like you've gotten a raise getting on the budget. That's going to be very important, but if we take your $6,000 put at the top of the page,