<prompt> Human: Hi rpersonalfinance. This is a throwaway, because I am embarassed and dont want anyone to figure out who I am. I am a 37 yo man that is married with a 12 yo child. My wife doesnt currently work. I make 62k before taxes and we are trying to rent a house. Currently, we stay with my family and are really being put through the gauntlet emotionally. We both suffer from depression and anxiety, and need to get out of here - but I fear we cant. We have a boatload of charged off credit card debt due to some terrible financial decisions, our credit is wrecked and we both have student loans. I have 14k quit my second year and she has around 50k dont have her info handy for an accurate figure. She is well into deferment forbearance and hasnt paid since 2010 when she graduated from AIU for profit degree factory. I went to Univ. of Phoenix for a while and got tired of the sub-par education I was getting and decided to cut the cancer off before it got worse and I got even further in debt. Now, we are trying to rent a house thats 1250 mo and I am getting cold feet after looking at our budget. Part of the stupid financial decisions was a car AV system that I financed to the tune of almost 300 a month when I drove an hour each way to work. I figured it was worth it at the time, but now that I can work from home, the novelty has worn off but I digress. Heres how things break down and I am including a copy of our budget just for good measure. Current expenses Car payment: 329 Car AV system mentioned above: 284.16 Groceries Household 300 est Spotify: 15 6 user family plan, making it the cheapest per person Electronic Cigarettes: 75 est. Figure varies month to month depending on different variables. Cell phones: 264.11 cant really cut this out. Owe money for 3 phones data service lines PSN for Playstation 4: 17.99 every 3 mos Obamacare: 685.12Current total monthly bills: 1729.78Rent on the house we want is 1250 month. Looking at the numbers, it looks like at least for the rest of the year, it will be very tight depending on actual costs for groceries, utils, etc; but we might just squeak by. This isnt factoring in the deposit for the house and moving expenses, but they are a one-time expense and are not factored in. Please help us get our lives back! LINK TO BUDGET SPREADSHEETUPDATE: I was able to change our insurance and got it down to 500.29 for decent coverage and added dental for 60, a savings of 120 right off the top before I do anything else.  <response>: Just peeked at it but:1. Cut the vaping costs2. Find a cheaper car on lower monthly payments if possible3. Why 3 Verizons at such a high bill? Maybe look into simpler plans.4. Why isnt your wife working? Could she do part time at the very least? 5. Look for places slightly out of town. I dont know where you live, but living on the outskirts could save you hundreds a month. 