<prompt> Human: Hi,Long time lurker, first time poster.First of all, let me start by saying that I am grateful for what I have:70K in home equity, 3 degrees paid off, 1 car current value 9,000 paid off, a gov job that pays 115K, 7K in savings, 200K in a pension, and a loving wife and kids. :I have a total of 2K in credit card debt, 7 years left on mortgage, and 5K on 2nd car current value 18K.My problem is that I am not saving anything and I have no budget. I always make excuse that at least I am putting 20k a year to retirement and 10k drops in principal on home. I am not a savvy investor.My current take home after tax is about 6K.My expenses for the month are as follows:mortgagetaxins 16002nd mortgage 220car pmt 330water 100heat 50electricity 140cable 50cell phone 150phone 50parking 160online classes 100internet 50donations 50groceries 600car fuel 200Total 3650That leaves around 2K disposable income a month. I only am getting this recently since I spent last 5 years paying down credit card from 50K to now 2500 left. Can reddit give me some good advice? many thanks  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hi, Long time lurker, first time poster. First of all, let me start by saying that I am grateful for what I have: 70K in home equity, 3 degrees paid off, 1 car current value 9,000 paid off, a gov job that pays 115K, 7K in savings, 200K in a pension, and a loving wife and kids. : I have a total of 2K in credit card debt, 7 years left on mortgage, and 5K on 2nd car current value 18K. My problem is that I am not saving anything and I have no budget. I always make excuse that at least I am putting 20k a year to retirement and 10k drops in principal on home. I am not a savvy investor. My current take home after tax is about 6K. My expenses for the month are as follows: mortgagetaxins 1600 2nd mortgage 220 car pmt 330 water 100 heat 50 electricity 140 cable 50 cell phone 150 phone 50 parking 160 online classes 100 internet 50 donations 50 groceries 600 car fuel 200 Total 3650 That leaves around 2K disposable income a month. I only am getting this recently since I spent last 5 years paying down credit card from 50K to now 2500 left. Can reddit give me some good advice? many thanks ---I am a bot. Contact pentium4borg with any feedback. 