<prompt> Human: Hey all, Im going through the wiki and Im overwhelmed. I feel like Im drowning in debts and expenses. My husband and I have agreed that we need to work together to get much better at budgeting, saving, and financial planning but neither of us are great at it. Things may be slightly better than I really expect since Im currently detoxing off of one antidepressant to get on another. I feel like I cant hardly prioritize first stepsfocuses though. Heres the relevant info about us:- I work for a nonprofit and make 55,000 per year, no benefits. I was the second employee after the founder. I dont have a college degree but have a decent nonprofit and recruiting resume and it feels like I cant make more money in another job so I feel trapped. I have a lot of experience working in restaurants and Im already working on getting a second job at a call center or restaurant because we could really use the extra cash. I also want to finish my degree so that Im less trapped at my current high stress job, but Im still feeling overwhelmed. Im dealing with what the doctors are calling a major depressive episode and tore my meniscus on my knee two weeks ago. Ill find out this week if I need surgery or not.- My husbands background is in ESL teaching. He has a bachelors in history and a certificate for teaching ESL and has taught ESL in five different countries. A year ago, my husband was diagnosed with bipolar disorder. We moved from high cost east coast city to my hometown Denver in July. Since my husband needs insurance for the bipolar disorder, he started working a retail job that is supposed to provide benefits not long after we moved so that he had some sort of money coming in. Not long after he started that job, he was offered a job teaching ESL. He started that job and ran out of medication and basically had a breakdown in his classroom after working 80 hours per week for a couple of weeks and came home crying saying that he wasnt sure if he had the temperament to be a teacher anymore.I get short term and long term burnout so I told him that he didnt have to know what he wanted to do with the rest of his life immediately, as long as he still contributed. He quit the teaching job assuming hed be getting health insurance within two months, he wont have insurance active through work until February at the earliest.Hes still working the retail job and applying for higher paying jobs, so he is likely to increase his wages relatively soon. Weve since gotten married and decided that we miss the east coast and are contemplating a move to one of two less expensive cities where we could more easily visit friends and family. We cant do that without savings and we cant save money without dealing with some of our debts. Ongoing expenses: - Car insurance: 220month- Rent: 800month- Health insurance both of us: 850month- 200month gym membership contractDebts:- 500 credit card debt- 3000 credit card debt interest free for a year as long as we pay on time. - Id have to double check but we both have school loans. Ive put mine off because Im overwhelmed.- I have about 5 different past due bills for medical expenses from when I couldnt afford insurance, all costing 75-200 per bill.- The county where I used to live used to have a lien on my car because they are insane I had the city and county sending me back and forth, and the city saying Im not sure why county told you that, thats wrong, go talk to them and the county trying to bill me for personal property taxes that I had already paid to the city. Im not sure if they still have a lien on my car or how to ensure that Im sent the title now that Ive paid off my 2012 Impreza. - Husband has a 600 ambulance bill. I think thats it. We will receive a gift this week of 1000 from his parents for our wedding and I see most of my paycheck already gone for our expenses. I cant go without health insurance given my mental health and knee situation - I have three doctors per week calling to check in and make sure that I know what to do if my depression is overwhelming. I dont know how to start or catch up and I feel like I make enough that this shouldnt be so hard. Im going to get us set up with mint or something similar. Any other suggestions on where to start?Also, relevant info, my credit is shot but his is above average, in case it matters.Assistant: That gym membership sounds nuts. 200 a month?!Human: Its for a specialized dance studio. I have hyper elastic joints so I cant do anything high impact and it helps with my depression. Ive also lost 50 pounds this year. For me its worth it to have someone monitoring my form and not risk blowing out my knees and having advice on modifications. It basically comes down to 10 or less per class with the number of classes that I take. I know that its a lot per month, but at this point its basically my one hobby.  <response>: . Im dealing with what the doctors are calling a major depressive episode and tore my meniscus on my knee two weeks ago. Ill find out this week if I need surgery or not.Its for a specialized dance studio. I have hyper elastic joints so I cant do anything high impact and it helps with my depression.Yeah that gym membership goes. You are not going to be dancing anytime soon. 