<prompt> Human: My husband and I seem to have got ourselves in a financial rut. The both of us combined make a little shy of 70000 a year and we are always broke. Our bills are paid and we have 2 kids that are fed and happy but there are times before each of gets paid that we literally dont have 10.00 to our name. I really need us to get over this paycheque to paycheque lifestyle we have. Our credit is maxed and we just barley keep it afloat. Our only problem honestly is not having any money its our only fight. So I guess my question is any advice on how we can stop this paycheque to paycheque rut we have got ourselves into?  <response>: You need a budget, see the sidebar Bar, you need to track every dollar of its going in and out 