<prompt> Human: At work, Im always hearing people talk about the big purchases they make that cost hundreds of dollars, while saving for another big purchase, while still saving money, and still having free spending money to use whenever. I genuinely cannot wrap my head around it. I get paid twice a month, on the 1st and the 15th. On the 15th, the bills I have to pay use up about 35 of my paycheck. On the first however, my bills are 95-100 of my paycheck, if not more. On the fifteenth, I have a good amount of money left, but buying all the things we needand the monthly night out leaves it down to just enough to cover what the next paycheck might not.People at work are always talking about going out and I never really can because I never seem to have money. I am seriously confused about how people can have cash in their wallets constantly. Someone please help?Edit: I make approximately 1400 per check, give or take a few dollars.From the first of the month paycheck, I have the following bills:Rent - 745Insurance - 91Vehicle Loan - 300Electric - 120Water - 50Internet - 20Netflix - 9Gas - 80Total 1415From the mid month check, I have the following bills:Insurance - 91Credit Card - 20Cell Phone - 160Personal Loan - 115Credit Card - 44Gas - 80Total 510If it matters, my household consists of my husband and I and two pets.Ive looked at all my bills, and I honestly think Im doing all I can to get them as low as possible. The balance of my bills is whats throwing me off and I dont know if I can change it. Edit: Here is an attempt to reply to multiple people at once.I am in a contract with my cell provider. Cancelling the lines are about 300 per, times three lines. Thats not an option at the moment.For groceries, we spend about 500 a month. This includes food, pet supplies, household supplies, etc.My husband does not have an income. All income is through me. We do communicate about finances, but because the money goes to my account, Im usually handling the bills and expenses and then explaining my plan of action to my husband.Edit: I do not pay 300 a month for electricity, I pay 120. My apartment complex requires us to have the AC running constantly to prevent humidity. Other than that, we are very good about keeping things running or not when necessary.Assistant: Youre taking home 2800 and spending 1,845. Where is the other 1,000 going?I dont see anything for food. Does your husband not make any money? Cell phone is a lot. Human: We just moved into an apartment, and were still trying to furnishfill it, so money goes there. On the 15th paycheck, we go out, but its not more than a hundred. And then the rest goes to misc. Which I understand is bad, and part of the reason Im here. I suck with my money.We spend about 500 on groceries food, household supplies, pet supplies, etc. My husband is a student.  <response>: Are you comparing dual income households to single income ones? Because they have twice as much money but not more expenses, so clearly that is the difference. 