<prompt> Human: I make 65,000 a year, yet every week Im broke and down to pennies in my bank account waiting for the next paycheck. Here is my current situation, I feel like Im missing something because the numbers show I should have extra leftover.After taxes my bi-weekly pay is 1,630.97. I have a mortgage which costs 1,141.84 HOinsurance Property taxes included.My gas bill is about 60-80 in the winter and less than 20 in the summer when Im not running the heat.My electric bill is usually 60ish, but during the winter can be as high as 90 with the heating unit running and in the summer when the central air is running.My water bill is around 35.My home security system cost 42 monthly.I have 20,000 in student loans which cost about 300 monthly.I financed my furniture and owe 1,700 with 0 interest for the next 14 months... I pay 135 minimum for it, but try to do 180 a month when possible to get that debt outta the way ASAP.I also have an AMEX that has 15 months of no interest left with a 1,500 balance... the minimum is 35 but I try to pay 100 when I can.My cell phone is 90 a month and my internet is 74.I have Netflix 10, Hulu 11, HBO Now 14... only during Game of Throne season; but no active cable subscription.I live in a major city with a great transit system and my bussubway pass is 92 a month for unlimited rides, so I have no car payments or insurance payments.Food is so variable in its expense. Some months I do great, other times I completely drop the ball. Since I dont have a car getting groceries consistently is difficult which leads me to buy lunch at stores near my job or ordering from GrubHub for dinner can cost upwards to 20... When I do get groceries I feel like I do it well though... Ill go and stock up on chicken, get lunchmeats and bread for lunch sandwiches, eggesbreakfast food to wake up and eat proper.Since graduating from college Ive become generous on the weekends when it comes to alcohol and friends, but that phase is over and Im back to drinking cheapcutting out drinking completely. Now that Im 26 alcohol just doesnt appeal as much anymore, but for a bit alcohol definitely put a dent in my wallet. I spend about 50 a month on weed and am content with that.I also did a bit of excessive spending when it came to technology when I graduated... I bought a nice DSLR camera 500, a 3DS and all my favorite games 250ish, I bought a really nice microphone 200 and mixer 200 so I could record a mixtape and get it pressed 300, but I ended up selling them all so I came out profitting from that choice lol up so I could sell them at shows I do around my city.Based on what Ive explained above... what do you think I need to do to change up my lifestyle and make big strides towards ridding myself of debt and not having an empty bank account in the days leading up to payday. I dont have really have insight into what is too much when it comes to my bills because and where to make cuts in. I want to explore every option of how to reduce bills. On my next paycheck I decided Im going to buy new lightbulbs to reduce my energy usage for lighting itll cost 24.99 with amazon prime to get enough to change all my main lights, so I think its worth it and have been running my heat lower than usual to reduce my gas bill  <response>: I think your problem probably lies in lots of random unplanned purchases that all seem affordable individually, but add up to nearly 100 of your paycheck by the end of the month. Just like a goldfish that grows to the size of its bowl, your spending will grow to the size of your paycheck unless you make a conscious effort to live below your means.Based on the fact that you bought furniture on finance, order food from grub hub, bought a bunch of gadgets and toys, Im assuming you have a bit of a shopper personality. Im guessing you buy more clothesslightly more expensive clothes than you need, tend to buy the newest phones when they comes out, make in-app purchases, etc. Reigning in this kind of spending to reasonable levels is what I would focus on.Here are my suggestions for you:1. Set aside 15 of every paycheck into a savings account as soon as you get paid. Dont spend any money out of this account unless its an emergency.2. Set a reasonable monthly budget for discretionary spending, and try to stay within that budget. In your post you budget out all your bills, but you dont mention any kind of budget for discretionary spending.3. When you go to buy something, ask yourself, do I really need this? Even if you end up buying it anyway, it will help you get a grasp on where your money is going, and you will become more mindful of whether these impulsive purchases are really contributing to your happiness.4. Try to be more disciplined about not eating out. And when you do eat out, dont order from grub hub. Eating out is like twice as expensive as cooking, and grub hub is like twice as expensive as eating out! 