<prompt> Human: So this post is going to be kind of long. I am really stressed out about me and the wifes finances and Im trying to see the upside or light at the end of the tunnel so to speak. So I come to you, the PF Community for help.Here is my situation. I am 29, Work full time in a crappy deadend job and am going to college for my Bachelors but I start my 2nd semester tomorrow and itll be about 4 years before I finish and get a decent job. My wife is 28, Works full time as a librarian and is currently in Grad School to get her Masters. I make about 24k a year and my wife currently makes 26k a year. She will be making around 44k per year next summer after she graduates. Job already ready to go, She will start in July 2016Currently all of our bills and expenses add up to about 2800month.Car Loan - 440 Going to try to refinance this loan in JulyAugust and hopefully get a better interest rate than 14.9 which should bring it down someElectric - 150Phone - 325 Might seem like a lot but we have 4 people on our phone plan and cant remove anyoneCable - 175Conns Debt - 200 Will be paid off in August 2015Friend Debt - 500 Will be paid off in December of 2016, Unavoidable Debt that we must pay, Wife is adamant about how much we pay them back every month and wont budge, We have gotten into several arguments about this subjectTrees - 240Groceries - 400Gas - 200Misc - 200 Going out to eat, Hanging out with friends, etc. Everything that doesnt fall into another category This, Gas, and Groceries are what take the biggest hit when we dont have money. Generally these 3 categories end up around 500 for the whole month.That is all of the bills we are paying out every month. I did not include rent as we use our Financial Aid Money from School to cover our rent. We bring in about 2800 a month after taxes, 401k, medicaldentalvision, etc. As you can see we are barely making it every month. We cant afford to really go out with our friends or enjoy life at all because we never have any money to do anything. My major problem is next year when my wife graduates. We will have to start paying rent every month as my financial aid is not enough to cover rent. Im only getting about about 1500 per semester All of our bills will remain the same minus Conns but we will be adding another 1200 bill every month. Even with the very nice raise that my wife will receive I still cant manage to make the finances work.I already work 40 hours a week and go to school full time as well as my wife, So getting a part-time job to supplement our income is really out of the question. I thought about contacting my financial aid office at school to see if there was anything that can be done but I triple checked my fafsa to make sure all my information was entered correctly and it is and Im still only getting about 2500semester. My schooling is around 1000 a semester leaving me with 1500. Im taking 3500 in Federal Loans every school year, About 1750 per semester, Thats all that they are offering me, Is this right?Any help, suggestions, critisms, etc. welcome. Please help me as I feel this financial burden is breaking apart my marriage. :  <response>: 40 of your take home pay is occupied by servicing debts and 15 is occupied by fun categories. Not to mention the almost 18 on phone and cable. You need to get rid of your debt first. Cut out the fun categories, cut off the cable, and get some cheap phones. Eat as cheaply as possible and only at home. If youre making any 401k contributions that arent matched you need to cut those out and put them towards the debt as well. You are poor and you need to start living like it. Throw all of the money you will be saving at the debts to get rid of them. 