<prompt> Human: Hello all im 29 years old and I honestly say im bad with money and my credit sucks.Currently im sitting at a 562 credit score with 2668.00 in collections. At the moment Im a full time student and i work part time.Combined income with my wife and I is about 2600.00 a month with an additional 1200.00 a month i start getting from the va for using my education benefits.I feel like I suck at being an adult and would really like so direction. I honestly live paycheck to paycheck but here is my breakdown of my bills.472.00mo for car, 93.00mo car insurance, 35.00mo water,120.00mo electric, 40.00mo internet,phonemo 275.00, rentmo 400.00.I want to own my own house and maybe later in the future have a kid but I know that as it stands now its its never gonna happen. Any tips on how to improve my credit and put money aside would be greatly appreciated  <response>: 1. Record every purchase you and your wife make2. Sit down with her and talk about exactly where the two of you want money to be spent each month3. Both agree to commit whatever you decide on4. Follow through5. Pay off your debt6. Continue savinginvesting going forward???PROFIT! 