<prompt> Human: I just wanted to give a big shout out to this sub!Six months ago I had about 7k in revolving Dept, was living paycheck to paycheck, had zero savings, nothing in my 401k, and a credit score under 650 with derogatory marks on my credit report. On top of all this, I had a second child on the way, and a rocky marriage due to money troubles.Due to PF, I was able to create a budget, pay off all my revolving Dept, start paying into a 401k, put 8k into an emergency fund, remove all of my derogatory marks on my credit report, solidify my marriage, raise my credit score to 790, and no longer live paycheck to paycheck.I cant thank you all enough for the valuable info available in this sub, and try to spread the knowledge and give back.Thank you!Assistant: Congrats on turning things around! What was the most difficult part of the process?Human: Id say the most difficult part was coming up with budget that works, along with cutting back unnecessary expenses.We dropped cable and internet for a while and just tethered to our phones, stopped going out to eatgetting fast food budget showed we were spending waaay too much there, and cutting back on gifts for family members.This allowed us to focus on snowballing our revolving credit debt and open up cash to save, as well as pay off my wifes 30k SUV early.  <response>: Great work! 