<prompt> Human: The bottom line is, my wife and I are horrible at managing our personal finances. Ill give a little back story to paint a clear picture of the situation.Weve been together for 12 years, we have 2 kids. Weve both always been bad with bills, but thats just the tip of the iceberg. When we receive money, we wait to pay the bills until either A The service is either suspended or will be soon, or B we are getting paid again the next day. This means we are typically at least a month behind on all the bills we pay, including our mortgage, car payment and utilities. The reason I think we do this is because we are scared to death of being broke. Theres something about not having any money that petrifies us. Were smart enough to know that if we would get caught up, stop spending so much on things we dont need and save money instead, we could live comfortably and ahead. It seems every time we try it back-fires horribly. We own a house in Wichita, but we live in Hutchinson due to my job. We rent here in Hutch. We have a tenant that pays enough rent to cover the mortgage.We gross about 100kyear, but my paychecks are a bit irregular. I get a bonus based on sales at my job, its pretty stable on a yearly basis but can vary month to month. For example, Ill typically gross 4800 in January, while September can be almost 9000. The bonus is all but guaranteed, and makes up about 65 of my income the rest is a monthly salary. Im the only one that works, but my wife gets around 550 per month from the federal government, and we receive 625 rent on the house we own. Thats the extent of our income. Our estimated monthly obligations are as follows:Rent: 1000Mortgage: 550Car loan: 540Car insurance: 240GasElectric: 350CableInternet: 130Phone 3 lines: 275WaterTrash: 65Gas: 230Groceries: 600Total 3980As you can see, while our monthly expenses may seem high to some, They are not unreasonable compared to the amount of money we make. If you assume after taxes I bring home 5000 average and include my wifes SS income and the rent check, we should have at least 2000 left over after paying all the regular monthly bills.Where does it go? For starters, while I dont have any conventional loans or credit cards, I do currently have 2 pay-day loans, one for 500 that costs me about 150month if I dont pay it off. The is roughly double that, 1000 that costs 250month. That takes the 2000 down to 1600. Then you have to include cigarettes my wife smokes, I vape which is around 200month, and my monster energy addiction lets call it breakfast, which can come up to 200month. Monthly doctor visits and medication costs equal about 160, and I spend around 40 on internet services that arent necessary hobby. That still leaves a unhealthy 1000 in the bank to work with. Remember that this is an average month. Some months Id have nothing left over with this budget, other months Id have 3000 or more. I have a number of accounts in collections. Medical bills between my family and I total around 10k. There are a number of smaller debts, a few hundred each, that probably equal 800. I owe my grandfather 5600, I borrowed some money thinking I could dig myself out of debt. That did not work. I filed for bankruptcy 4.5 years ago. All of this debt is after that. Lastly, I owe the IRS and State DOR thousands. I made a stupid mistake and claimed exempt on my w4s for years, while neglecting to file. Since we moved to Hutchinson taxes have been coming out of my check, but again, due to my irrational fears, cowardice, and stupidity, I have not filed this year or last. I am intentionally avoiding filing because I know I will owe more, and it already feels like Im drowning. My tax debt is killing me. Just thinking about it causes minor panic attacks, chest pains, etc.. Im not even thirty and it feels like Ive failed forever financially, and instead of doing the rational thing and calling the IRS, I hide from the problem and pretend it doesnt exist. I know I cant do that too much longer, The state has already put a lien on my house and turned some of the unpaid debt over to collections. It wont be long before the IRS does the same. Because of the amount of money I make Im not able to file a offer in compromise. I was on a pay agreement with both of them, but ultimately broke it and failed to pick it back up. I have no retirement plan at all my employer offers nothing, no savings, nothing of real value besides the house, which is worth maybe 60k and I still have 22 years on the mortgage. All I want is to provide a safe, stable future for my children and my wife. I want to avoid the embarrassment and struggle of the sure to come wage garnishments, bank levies and court cases. I want to live a normal life, where Im responsibly meeting my financial obligations and Im able to look at my children and not feel guilty. Can you help? Im tried to tackle this problem so many times over the last 12 years, I always land right back where I started. I recently posted a job offer on craigslist, asking for someone to manage my finances in a way that would get me out of debt and on track. I also asked for guidance, advice, counselling, anything they thought would help. Ive talked to bankers and investment consultants about handling my monthly obligations for me, they said it doesnt work that way. Ive cut up my debit card, closed bank accounts, set up auto-pays... Nothing has ever worked. I dont know what to do.  <response>: How do you get 550month from the government with a household income near 100kyear? 