<prompt> Human: We cant figure it out. Sometimes our bills are late. Heres a bit of quick info. We are in Canada. He makes around 80kyear, I make 37,200year. Our kids are 451213. Our rent is 1400month. We have made spreadsheets - we should have so much more money at the end of each month, yet every month we are scrambling to make ends meet. This is exhausting already. He is a production manager for a large manufacturing facility, yet his employees have nicer vehicles, and Im driving a car from 2001. Help! PM please.Assistant: Figure out where you are spending your money. Making a spreadsheet is useless if you dont follow it. What you need to do is actually look where the money is going, not where you want it to go. Account for every cent. Then you should have a much better idea of where you are wasting money and where you can scale back.Human: Thats what we did in July. So we each go to Starbucks once or twice a week, so we added up our expenses for Starbucks and had a starbucks category. We had an alcoholic beverages category. Each time we went to a grocery store it was tracked. I think thats part of the problem. Doing a large grocery store trip and then several small ones in between.  <response>: Clearly youre not tracking it accurately, since you say: we should have so much more money at the end of each month, yet every month we are scrambling to make ends meet.Youre not accounting for something. Either that or someone is simply stealing money from you. Money does not disappear into thin air.Do more than just July. Track it for August, and September when the month ends. Also do June if you have the records. Maybe that will help you find the cause of the mysterious lost funds. Once youve done that, post your budget and income here, and we might be able to help you figure out where you can save. 