<prompt> Human: I want to start with my situation. I have a decent job. At 22 now Im making just at 50kyear. About 6-7 months ago I was fine. My credit was in the mid 700s, I had a savings, and I had a little play money every month. Now.. after some turns of events its not going so well... basically I had a very expensive family matter come up that drained my savings and I ended up dropping dish network and some other things. My problem is every check I just seem to get farther and farther into the hole... I dont understand it. I mean I do, I just cant seem to fix it myself. My bills are: Water: 100 Jeep: 530 Insurance: 150 Cellphone: 230 Internet: 40Electric: 175 That being said.. I do have 2 collections out for dish network and att... Some good news, at my work we have whats called the thrift program. I put in 2-8 and they put in 15 of my gross annually. Right now I put in 8. My goal is to just put 300 in savings a month. Without constantly being in the red like I am... Im also starting a family next April so I would like to get this done by then. Im willing to do anything. I want to get rid of my vehicle for a cheaper 1, but Im upside-down with no credit. I would like a cheaper phone plan I only have 2 phones on it and would like to cut down on daily expenses somehow. Thank you!!!Assistant: You need to check your spending. It seems that there are many expenses that you are not taking into account. Review your bankcards statements. Cellphone: 230This is way too much. You can buy a decent cellphone for the amount you pay each month.Jeep: 530Including Gas and Insurance?Human: On the cellphone, thats my overall bill. And no on the jeep. 530 payment and 150 insurance 2 cars other is SOs I live about a minute away from work though.  <response>: Why do you each need a car? You can walk to work. 