<prompt> Human: Please forgive any formatting issues, this is my first time creating a post. Weve been struggling with our finances for a while, but now it is to the point that something has to change. Monthly we net 4821. Which yearly comes out to be about 57840. We live paycheck to paycheck, and have nothing saved up anymore as it has been slowly drained. We both work full time jobs, Im in IT and am looking for new work to try and make more. We do own a small business that we started at the beginning of the year. It has yet to give us any amount of income though. My monthly obligations follow below. Monthly Expenses Gym 85 Gym 72 Internet 41.76 Verizon 150 DirecTV 70 Utilities 125 Water30 Trash25 Life Insurance 33 Auto Insurance140 Fuel 300 Groceries spending cash400 Roth IRA 50 Dining out80 Student Loans 32,172.59185.88 1,377.00Grace 3,458.96 7,089.83 2,064.89 3,105.19 876.72 6,000.00Grace 1,700.00Grace 3,000.00Grace 3,500.00Grace 14,505.42181.60 1,998.9550.00 4,963.3145.35 7,957.4295.03 8,274.1096.32 2,602.3930.30 2,153.1250.00 Credit Cards BalancePaymentAPR 3,249.7172.0115.74 5,675.96129.0015.99 7,144.97259.0020.99 1,131.4235.0021.74 6,157.38139.0015.10 1,817.6838.0025.99 1,422.47100.00 65.830.0024.99 Loans Mortgage 153,906.391,290.64 4.87 Car124,725.92412.001.90 Car213,000.00330.005.20 Without counting the increase in student loans that will kick in in August 2013, we are spending 5050 per month. Not including anything extra we buy. So were spending more than we make. I know we could cut out the two gym memberships, and satellite TV. But for our business we require cell phones and internet access. We are bad with keeping any discretionary spending in check. Often find ourselves buying alcohol, or spending money on hobbies.edit To clarify, we have 74k in student loans. The 32k chunk are Wells Fargo private loans. We also live in MN, so the utilities cost is averaged over the year to account for winter gas costs. Our fuel costs are high because of commutes, and having to drive in a 50 mile area for our business. Public transportation doesnt run in my city to the areas we work.  <response>: I know we could cut out the two gym memberships, and satellite TV.So do it. But for our business we require cell phones and internet access.You can do cheaper than 150month for two phones. Look at T-Mobile. We are bad with keeping any discretionary spending in check. Often find ourselves buying alcohol, or spending money on hobbies.You recognize that you have a problem. The solution is simple: stop wasting money on these things. Car1 24,725.92 412.00 1.90 Car2 13,000.00 330.00 5.20You have a mountain of student loans so you went out and bought expensive cars on financed money?What are these cars worth? Can they be sold to pay off the debt, and replaced with older reliable cars bought in cash? Better yet, can you get by with only one car? Groceries spending cash 400400 on groceries is high. What is spending cash? You dont have any spending cash, you are spending money you dont have. 