<prompt> Human: Hi PF, Long time lurker, first time poster and I have finally come to the realization everything isnt fineShort backstory, My parents do not have any sort of financial stability or control, My father makes 175k a year and they are always broke or behind on bills and I do not want to follow suit and am asking for help.I am sick of living check to check. I need to get my stuff straight and under control but am more lost than anything in doing so.Heres the gist of bills.Truck payment - 540Rent - 1100 starting next month will be receiving 500 from a roommateUtilities - 260-300Cell phone - 350 My SO And I split this, but it mainly falls on her since she has 3 lines total and I have 2Groceries 4-500 SO Is vegan, and extremely picky. I primarily live on cheap food Ie - Chicken and riceExtra stuff Spotify, playstation, etc 50Credit cards - 3500 in debt. 1000 on a credit union card, 2500 on a capitol one card Payments are 35 and 80 a month.I think this is a place where I need help - Eating out, with my GF being vegan and myself not, I find myself not wanting to eat her food due to cost, and taste. So I resort to eating out for lunch and sometimes dinner. Roughly 250-350 a monthSomehow I end up beyond short every month and I dont know what to do. I get paid on the 10th and the 25th and the first check is always the same, second one varies due to commission. Roughly 1000 on first check, around 1400 on second but can be as high as 2500 this is take homeGF Delivers for dominos and takes home roughly 1600 a month. But has more CC debt and outgoing bills than I do.I know this wont be pretty and I know that I need to figure stuff out the hard way.I need direction more-so than anything. Thanks PF!Edit - GF contributes 300 for rent, and her half of the cell phone bill. The cell phone bill is high due to 3 phones and 2 tablets. I have my tablet damn near ready to remove from the account, but the primary portion of it falls on her but I still end up paying half because she can not afford more than that. The reason for the bill is the tablets and she used to get reimbursed for her portion of the cell bill with her previous employer, since she no longer works there that does not cover it.Her food habits are expensive and I should have noted that while I do eat the food we buy, the money does not get us far. 150 at the grocery store on cheaper stuff lasts a long long while, earlier this year I could go an entire month on 200 including eating out. While now we do not really have leftovers and she does not prepare her meals in anyway shape or fashion. I normally cook, clean, and we end up without leftovers for one of us, so she gets lunch and I do not.Edit 2 -Thank you guys so much for the the replies. The help, and the honest truth. I really to appreciate this stuff and want to make this better. It isnt easy and I am sitting at my desk going Holy shit To myself repeatedly.I need to cut out eating out I have as of yesterday, I am going to the store to buy groceries for lunch and dinners Cut the phone bill In the process, have less than a month before its lower Get her to actually pay half of the billsThat is my understanding of a Start. Once I move forward with this I plan on attacking my truck payment as well as the CC debt.Seems straight forward, but Time tells all.  <response>: Truck payment - 540 Rent - 1100 starting next month will be receiving 500 from a roommate Utilities - 260-300 Cell phone - 350 My SO And I split this, but it mainly falls on her since she has 3 lines total and I have 2 Groceries 4-500 SO Is vegan, and extremely picky. I primarily live on cheap food Ie - Chicken and rice Extra stuff Spotify, playstation, etc 50 Credit cards - 3500 in debt. 1000 on a credit union card, 2500 on a capitol one card Payments are 35 and 80 a month. I think this is a place where I need help - Eating out, with my GF being vegan and myself not, I find myself not wanting to eat her food due to cost, and taste. So I resort to eating out for lunch and sometimes dinner. Roughly 250-350 a month---1. sell the truck2. make your gf pay half the rent or move to a cheaper place3. make your gf pay half the utilities4. find cheaper cell phone plans, and stop having 5 different phone lines for 2 people.5. buy separate groceries from your gf. if she cant afford to be vegan and picky on her own dime, thats her problem, not yours6. stop paying for extra stuff subscriptions7. pay the minimum on each card and put all the extra cash onto the smallest balance first so you can free up more cash flow after that card is paid off.8. stop eating out. buy groceries and pack a lunch for work and cook food for dinner. 