<prompt> Human: My mom is tired of being broke. Shes always always broke. Whenever I check her bank account, its always in the negative and my mom is tired of it.My mom is a single mother and here are her expenses : Credit CardDebt PaymentsMasterCard - 800 balance, pays 50 a monthStudent Loan - 89Obligations per monthRRSP - 40 She only has around 1500 in her RRSP, nothing else. She will end up working until she diesUnion Gas Bill - 70Mortgage - 655 103k leftElectricWater - 150Internet - 124Groceries - 550 She feeds her brother, me and my brother and usually my gfGas - 160True ExpensesLife insurance -110Home Maintenance - 40Home Insurance - 88Auto Insurance - 327 I pay her 220 for my car a monthOthersVacation - 40Education for me and lil bro - 150Smokes - 120 I already asked her to quit, but she says its the only thing she does for herself and which I case I agreeDining Out - 150 We need to stop this habit, its just hard to break it Give or take 100 extra in whatever a monthThis totals to around 3000 a month, and with CPP, Baby Bonus, Child Support and her paycheck it comes to around 3504.Why does she always feel broke? She wants to sell her house and she was talking with me earlier today, but if she does that, she has to repay 8000 because she qualified for a down deposit in order to help her purchase the house.My heart aches for her, and Im scared for her future. She has a job that pays 19.81. She went to college for a receptionist but she works in a factory. I tried getting her another job with some connections I know but they failed to call her.Any criticism is welcomed. I just want my mom to stop feeling broke. Im willing to give any additional information if I missed anythingEdit : I forgot to add 120 for me and my brothers phone bill. I should probably start tacking that on myself.Assistant: RRSP - 40 She only has around 1500 in her RRSP, nothing else. She will end up working until she diesStop contributing.Put this towards the credit card debt instead.Internet - 124See if is available where you are to cut this in half.Put the extra towards the credit card debt instead.Groceries - 550 She feeds her brother, me and my brother and usually my gfTell your gf to eat at her own home before coming to visit.Your unclemoms brother needs a job to pitch in money.You and your brother should also get jobs to pitch in money.Put the extra towards the credit card debt instead.Auto Insurance - 327 I pay her 220 for my car a monthIs 220month your part of the insurance? Or is all of this yours and your mom is subsidizing you?If shes subsidizing you, she needs to stop. Vacation - 40Cant afford it.Put this towards the credit card debt instead.Education for me and lil bro - 150Student loans.Smokes - 120 I already asked her to quit, but she says its the only thing she does for herself and which I case I agreeYup, quit. Or vape for now. After the initial purchase of a modtank, ejuice costs much less than cigarettes.Dining Out - 150 We need to stop this habit, its just hard to break it Stop.Put this towards the credit card debt instead.Give or take 100 extra in whatever a monthStop.Put this towards the credit card debt instead.Human: Okay will have a conversation tomorrow with her.Do you have start. if so how is it? I believe it is available in my location, I will be calling them tomorrow.My uncle pays 240 a month and she saves it as a EFund. I have to save for school. I get payed 14.15 a hr and work 19 hrs and get paid biweekly. I automatically save 200 for school, save up for prom, spend some money, gas in my car, insurance. I will be starting to budget my personal finance tomorrow. My mom will not accept from me as she tells me to save for school. Reason being why my insurance is so high is because Im a 17 years old, male, driving a 06 charger. The charger counts as a 4 door sedan, so regardless of a vehicle, Im pretty sure it would be the same price.I will be discussing with my to pay off her debt asap. What are the next procedures after?  <response>: If shes putting money in an emergency fund, where is it? She should pay off her debt with that after saving a couple thousand for emergencies. 