<prompt> Human: Im a 28 year old single father living in Maryland. I attend college full time but Ive been lucky enough to have financial aid for all of my classes so far. Here is a breakdown of my current financial situation: Ive been employed with the same company for 6 years, almost 7, and Im sitting at 40,497 before taxes of course. I have a credit score of 664. I realize that is on the lower side, I made some terrible credit decisions when I was 18 and luckily they are correctedfalling off now. Credit Card 1: 389.98 Credit Card 2: 768.75 Other bills Cell phone, car insurance, child support: 417.42 401K: 25,444.21 with an outstanding Loan Balance of 1,728.20.I currently live at home with my mother and Im paying no rent. I have virtually nothing in savings right now, 400 to be exact. Ive spent money on a class and paying off credit cards. The dilemma here is that my girlfriend and I would like a place. We were looking at renting but realized that we may be better off just buying a house. Weve been together for almost 4 years now and I feel very comfortable with that choice. I just dont know how to get there. I have approximately 10,000 I could use from my 401k for a down payment. Here is her financial information: 36,524.80 Salary before taxes of course 140 - Car Insurance Credit Card 1 - Visa 591.37 Credit Card 2 - MasterCard 2493.88 Credit Card 3 - Discover 3304.56 Had some engine issues and need a new one. Doctor Bill - 440.04 710 - Credit ScoreShe transferred MasterCard balance to Chase card with 0 interest for 1 year. We are in desperate need of help and cant think of where to turn. I think one of our biggest challenges we face is food. We eat out an insane amount of times because we both live at home with our parents and storage is limited for groceries. EDIT: I just wanted to thank every single one of you for your responses. The criticism was harsh, but so true. Just typing this post alone made me realize Im messing up somewhere. Thank you all!Assistant: You cannot afford to move out, much less buy property, if you are struggling when youre paying no rent.Human: Its not that Im struggling. I get by, but Im living paycheck to paycheck and Im just looking for some advice on what to do. Any kind of savings plans or any saving strategies that people are aware of maybe.  <response>: Living paycheck to paycheck kinda ranks up there in the struggling category. 