<prompt> Human: So its new to me to search for help in here pertaining to my finances, I figure Id give it a try do to the fact I know a lot of people are better with money than I. So the only way I see to give the best example is to just lay it out like a story line.I just turned 23, I work hourly for 10 an hour and drive 130 miles round trip for work. I have debt that is concerning me mainly due to my very poor credit. I have a household of 3 including myself with one on the way that is living off of my income alone. We live in a 1 bedroom appt and barely make it by on 1400 a month. I know I could budget better but even then I dont see much relief.Anybody have any ideas?Assistant: Post your current household budget.Human: I pay about 750 a month in just bills and fuel and make about 1400 a month  <response>: a budget will look like thisINCOME:Bi-weekly Paychecks -1400 per monthEXPENSES:Electric - 120Water - 25Gas - 15Cell phone - 60Groceries - 200Rent - 600Discover card minimum Payment - 48Student Loan Minimum Payment - 88 DEBT:Discover Credit card: 1540 14.8 interestStudent Loan: 18,000 6 interestSAVINGS:Emergency Fund - 400The first step to getting control is getting a grip on what you make, what you spend, and what you owe.Write down what you payed last month for this stuff. We will be waiting for your response. 