<prompt> Human: Trying to figure out how to plan a better budget for next year. Salary is close to but slightly lower than 100,000year and its all spent by the end of the year despite attempts at living a somewhat frugal lifestyle. The cost of living where I work is high and the rent Im paying for a 1 bedroom apartment is actually a pretty good deal. I dont go out much, most weekends are spent at home. I buy groceries and eat home cooked meals except for lunch when I eat with my colleagues.I spent a modest amount on travel this year, I traveled to see my parents and also joined them on a cruise during the holidays. I guess I need some help in identifying if there is a problem, I try to put effort into making prudent purchases and getting the most out of my spending, I go to work and go home every weekday and rarely go anywhere on weekends other than to the grocery store or to run errands, and yet aside from what I have invested into my 401k and a small amount into a Roth, theres nothing left over at the end of the year. Any advice for the next year?Description Total Percent of Total---------Taxes and benefit deductions28,285.9528.82Rent and Utilities 18,328.25 18.67401k17,500.00 17.83Student Loans 14,400.0014.67Food, groceries, CostcoWalmartTarget 5,715.15 5.82Roth IRA 3,000.00 3.06Engagement ring 2,800.00 2.85Cableinternet 1,722.43 1.75Auto Insurance and out of pocket healthcare 1,212.99 1.24Travel 1,207.62 1.23Cell phone Payment for phone 908.45 0.93ATMCash withdrawals 690.00 0.70ClothingShoes 685.28 0.70Car duesBar membershipDesk 556.49 0.57Electronics 534.92 0.54Entertainment 349.93 0.36Gas 262.10 0.27Total 98,159.56 TL;DR: Please critique my spending for the year and let me know what I could do to significantly improve next year.  <response>: wow you maxed out your 401k, contributed to a roth, and sunk 14k into loans? Id say thats pretty damn solid. Its not really all spent. You put a huge chunk into retirement and paying down debt. I dont have any critiques but congrats. 