<prompt> Human: My finance and I have a 1 year old and Im pregnant and due in January. Heres our break down, I feel that we make a decent amount of money together but we are struggling and living paycheck to paycheck. Any suggestions, info, help would be greatly appreciated!! The breakdown: Income: Me: take home 6000month Fiancé: take home 2600month Fiancées CC debt: 9000Truck loan: 24,000My CC debt: 30,000Student loan: 30,000 on hold because Im getting my masters Rent: 2000Cellphone: 180 for both of us TVinternet: 65.00Insurance: 200Gym: 145.00 both We decided to get rid of the gym membership today Food gas are expensive here! So lots of money goes to food. Were barely making it.. Pls help! Edit: Thank you all for responding! Tonight we will print our bank statements from a couple of months back and take a look at all the crap we are wasting our money on. Then make a more detailed list of where our money goes and Ill post it here. I really appreciate all the replies.  <response>: We will need a much more complete list of expenses in order to be able to give our best advice.That said, if those take home numbers are accurate, Im struggling to see the problem. You should have many thousands per month left over even if you are paying a bit extra on your credit cards and car loan. If you dont have that much left over, then there are some big expenses left out of your list andor you are spending a ton of money that you arent accounting for. This is what will make the difference. Track every expense for a couple of months. Commit to stop using credit cards today. Credit cards you cant pay off are a sign of spending more than you earn. What you need to do is cut back until you are cash flow positive - which means credit cards arent necessary. From the expense tracking you will be able to see where all your excess money is going and make targeted decisions on where you want to cut back. This sounds much more difficult than it actually is - and you will feel so much better for doing it. This will allow you to take control of your money rather than feeling like your money is the one in control. Good luck! 