<prompt> Human: Hello, I am a 30yof, married, mother of 2 toddlers. I have always been bad with money and did the whole college, credit card thing and racked up some debt. Ive been paying that off through a Debt Management group and I am down to just under 1100 on that that will be paid in 18 months. My finances are never in order. I live paycheck to paycheck and borrow from my husband constantly. We keep mostly separate finances, but split expenses: I pay for daycare, electric bill, my loans, my car, and credit cards. He pays for mortgage, phone, internet, insurance, his car, etc. I am aware that it is not an even split, but he makes about 20k-25k more a year than I do. I am currently working as a temp, with the hopes that it will become permanent. My big question is: I am trying to set up a spreadsheet with all of my incomeexpenses but I dont know what to do. How do I figure things out when I get paid bi-weekly, but daycare needs to be paid weekly, other things monthly on a certain date some auto-deduct, and things like electricity arent constant? If anyone has any suggestions, or if someone is willing to look at specific numbers, please let me know. I really want to get my life back on track and start saving some money for my kids college funds and for an occasional vacation.  <response>: HIGHLY recommend amalgamating your finances and setting a monthly budget you and your husband can follow. His debt is your debt and vice versa... thats marriage. The faster you two can combine your efforts to get everything paid off, the better off youll both be. You shouldnt have to borrow money from him for expenses that he is now a part of. My wife and I got a joint account and everything comes in and out of that one account for bills and income. The more of your bills that you can have automatically be withdrawn from your accountor credit card, paid off in full monthly of course, the easier life will be... Just be sure to keep reviewing your bills for inaccuracies.If you want something separate, you can each open your own savings accounts with pre-determined amounts deposited each month from the join chequing, based on your budget.I know a lot of people are against combining finances, but those people usually arent married with kids... It shouldnt be about his income and your income... its a HOUSEHOLD income now...Lots of helpful people on here with many ways of solving your money troubles. You have to find which will work for you! I hope it all works out! 