<prompt> Human: Im ashamed to be posting this, but ready to change, and hope that I can get some non-judgmental help. I had posted a few months back about getting a financial advisor and whether or not it was worth it, but so many people reached out and said this sub could help that I decided against it. So, here it is.I am a full-time teacher and own two special needs dogs. My husband owns our home with his father who does not live here, but helped us acquire the home loan. My mother is a compulsive gambler and has declared bankruptcy 4 times. I really, really, really dont want to end up there. We have no savings and with maxed-out credit cards, we are usually flat broke at the end of each month. It looks like we have about 500 leftover each month, and we probably spend most of that eating out. So my first goal is to completely cut out eating out. Its a very bad habit that Im ready to break.Two things I will not budge on are: costs for my dogs, and leaving my home. I am really open to any other ideas. I am working on getting a second job, so that would be helpful, but for now, heres our income and expenses.My husband and I each take home after taxes 1200 bi-weekly. We are paid on the same week, so the funds seem to disappear rather quickly.So our monthly, take-home pay is 4800monthMonthly Expenses:Mortgage: 1690Phone: 250Groceries: 600Dog foodcare: 350-450Utilities heat, water, elec: 200Internet: 90 only provider in areaCar payment: 250Car insurance: 120Medications: 150 I am a medical marijuana patient due to a pelvic floor disorderGas: 140All credit card payments minimum: 400Outstanding Debt:600 water bill4,800 credit card 1500 credit card 2900 credit card 3 no interest if paid off by March 900 credit card 4 his2800 credit card 5 his300 store credit card150 store credit card7k owed on carAgain, Im embarrassed and understand that I got myself into a really awful situation. Im 27 and not ready to live the rest of my life like this. We want to get pregnant this year but I refuse to do so until Im financially stable.Thanks in advance.Assistant: You could get two unlimited cricket phone lines for 100. That saves 150 a month. Your have to buy your phones outright but there are plenty of cheap options.Human: I pay 30 33.13 with taxes and fees a month with T-Mobile for 100 minutes, unlimited texts, 5gb of 4G internet Netflix, YouTube, etc dont count toward this. Get a Google voice number and the minute limit doesnt even matter. This is a prepaid plan that I brought an outside phone to.I dont see any reason to pay what OP is paying. Assistant: Locked into a contract with Verizon. Would like to get out but am paying per month for my phone and would owe that money.  <response>: Take a look at t-mobile or other providers. Sometimes they offer to pay you out of the existing contracts. 