<prompt> Human: Wife and I make about 68k a year and our tax prep leads us to believe we owe 1800 this year. We had to pay last year and are just getting that paid off. We rent and own both our vehicles. Honestly we just dont have the cash to pay IRS again. Both have student loans as well as 4k in credit card debit. Most extra money goes to paying off the debt and such. Any suggestions or anything that could help?350 for my student loan500 for hers 700 rent180 cell phones 300 for utilities150 gas for both vehiclesI want to thank the helpful people for bringing up some good points and having me look deeper into our financial situation. I also want to be honest on this thread because it will help things get done and help me understand more, we both were in a bad spot with our drinking and spending outrageous amounts on going out and drinking at home, with the recent sober clarity that has come from some hard work and dedication we are really trying to get our lives in order. The cellphone seems to be a hot topic, but we dont have Internet so we do everything on our cell phones which is why we pay so much. Data plans are expensive but without the 80 a month in Internet i think it evens out. also we travel to places for family where the cheaper cell plans dont have coverage. Thank you everyone for the comments to help me dig a bit deeper and get some actual numbers out to help the situation  <response>: Adjust your withholding so that it matches your liability more closely. Often, married couples with both spouses working need to withhold at the higher single rate in order to not owe at the end of the year. The IRS Withholding Calculator can help you determine the best way to fill out your W4s so you dont wind up with a large bill next year. 