<prompt> Human: My wife and I are broke. We live Paycheck to Paycheck. We always have no money, are 30 years old and know we can be further along in life than we are right now. Here is as detailed of a breakdown that I can give right now.Income:Me Work in a call centre for a large bank. Base 40k a year, up to 6k a year bonus. Net pay is 1122 BWHerNurse. Works Base .75 aka 75 of full time, or 60 hours BW. She often picks up shifts to supplement when possible. Makes 40 an hour and her take home after deductions is usually about 1600 BW on the low end of things, about 1.9 to 2k on the higher end depending on her hours. For Budgeting purposes, I want to use 1600 BWMonthly Expenses:Rent1253. Includes parking spot.Car127 BW. Almost exactly 2 years left 6k owing with about 7.5 interest rate. Work is needed to be done soon as it is getting up there. 2010 Hyundai Elantra with 173k Kms on it. Spend about 50 a week on Gas. Wife either buses to work about 20 bucks a month total or I drop her off and pick her up. Total about 474 On TransportationCar Insurance 140 a monthMy Student Loans 265 a Month with about 24k owing. Government financed 5.2Her Student Loans 406 a Month. Student RCL through Bank. Rate is Prime3.5, which right now is a total of 6.2. On top of this, she has 8k in government Student loans 3k provincal in manitoba so interest free and 5k in Federal at 5.2. The payments are 108 a month for those loans. Combined total of 514 a month.Hydro50 a month Equal Payment Plan good price for this, covers electric heat and power up here in Winnipeg for pretty cheapInternet, TV and 2 Cell phones bundled together are 350 a month. Dont have exact break down but Its about 180 for the phones, 100 for TV and 70 for internet.Pet Costs about 250 a month Sigh... for Doggy Daycare. Puppy cant be left alone for as long as he can be about 2 or 3 times a week, which is when we daycare him. Once he is older or I get a better work shift this will go down to 0. Dog food is about 60 a month right now. Cat food is about 15 a week Needs wet food and vet dry food due to age and health problems. Total is about 370 a month I die a little inside reading thisMy Credit Card 5.5k owing 19.99 interest. Min Payment is 131, pay 150 a month right now. At its limit right nowHer CC13.5k, 19.99 Interest, paying 350 a month on it right now. At its limit right nowFoodWe would like 200 a week, but right now it is probably closer to 300 a week due to restaurantsfast foodAbsolutely 0 Savings right nowThis should leave us with some money left but we routinely have nothing left. The Biggest culprit is eating out. Right now we eat fast food or go to sit down restaurants nearly every day, and this is killing us literally, I am obese 315lbs and the extra portion of whatever is left. That and Dog toys my pupper is spoiled rotten One thing I feel that hurts us a lot besides money is that we have 2 separate accounts, one for me and one for her that are owned just by each of us so I cant see her income and she cant see mine. I have 100 trust in her and she does in me but I think going joint might help us stay on a better path. I also pay the rent, car, and car insurance and she pays hydro and internetCablePhones. We just use whomever has extra cash left after bills usually her since Rent eats up more than 1 of my cheques for things like food, etc. We use our debit cards for almost 100 of our spending.Sidebar: My work offer 2 employee match contributions that I am not taking advantage of yet and it kills me inside. The first is a Savings plan that matches the first 6 of Gross pay I want to save. I can withdraw this money at any time, without penalty, once it has been vested for 6 months. The second is a top up on my pension. I get 3 of my yearly wage extra and it gets saved as a pension. My Plan lets me top up after 2 years, which will be this year to an extra 5 of my Gross pay that can be matched as well. Wifes work Deducts a of her cheque to go directly to pension. My biggest questions:0 What more information can I provide to help clarify the situation?1 Should we combine everything and let 1 person do the work when it comes to this stuff? Switch to a cash diet? Stay as is? 2 Besides Doggy Daycare, where should we look to trim the fat?3 If we somehow manage to get this spending habit under control, what debt should we tackle first? CC debt? Car? Should we focus on savings?4 What are some good plans for food to eat cheap and somewhat healthy? Any good cost savings tips? My Wife and I both suck ass as cooking and when we do, its usually something easy like spaghetti, or a slow cooker recipe. I will obviously have more questions but we want to implement these changes in March to turn our selves around and have money for once. I am hoping for an update post in 3 to 6 months time with some good news!  <response>: Drop cable TV completely, and get cheaper phone plans. Pets are tough: realistically you should give them up for adoption, but I know that no one would actually do that. Stop eating at restaurants, full stop. Spaghetti and slow cookers are your food world now. Stop using the credit cards for purchases completely; pay them off aggressively. Only pay minimum on all other debts until the cards are gone. Look at interest rate only when it comes to debt priority. Max out your work savings and pension match. Every time the savings vests, pull it out and pay down credit card debt with it; thats better than paying down the debt directly without the match. Implement all of these suggestions on February 4, not in March. 