<prompt> Human: Hi everyone.This morning I had to drain my savings to pay off a CC. I have 2K on one card and 1k on another. I have been diligently paying down debt but now it feels like I have reached the status quo - no more money is going into savings, everything is going to bills. Whats worse is I feel that I should be able to save a lot more! Its me and my husband who is a student on GI billIncome 4200 per monthBills-Rent - 1050Student loan -175Comcast -100Car payment -280Car insurance - 220Verizon -180Renters insurance - 30Pet insurance - 43Utilities - 100Contribution to mutual fund - 100 Groceries - 500Spending money for husband and me - 200 I try to put 200 in savings a month but it always feels like I pull it out to cover some expense. What can I do to make some headway with building an emergency fund? Where can I make cuts. I am just so lost right now. The numbers arent adding up and I am so flustered. Any help is welcome.Edit: formattingAssistant: Im not sure if you meant 200 total for spending money for your or your husband, or if you meant 200 each. Based on that, your total expenses each month are either 2978 or 3178. That leaves over 1000 each month unaccounted for. I dont see gas listed here, but everything else I can think of seems to be accounted for. So if you actually lived by this budget, youd have 1k a month to pay off your credit cards and save up a nice emergency fund, then perhaps tackle your student loan or car payment. Figure out where this money is going.Human: Yes sorry 200 total for us, so 100 for me and 100 for him. You are right I guess I did leave off:Gas: 150Pet food I should have lumped with the other pet category 75But I even that leaves 800 unaccounted for. I think its little purchases here and there that add up.  <response>: You need to get your bank statements or credit card statements. Go line by line and see where this money is going. A 2 soda or snack every day at the gas station would be 60 a month. 