<prompt> Human: Silly little post but I just wanna thank everyone for posting so much, answering questions, and answering my questions!Thanks to this sub well, and my efforts were only bringing in an extra 300 or so a month, but were sooo much better off! Weve gone from living paycheck to paycheck- waiting until midnight when the direct deposit comes through to go grocery shopping- to having money sitting in the bank and building our emergency fund. Weve also made big dents in our credit cards, all in less than a year!By the end of May, I should have our 1000 emergency fund and in just a few months we should be out of credit card with interest debt. I never thought Id be good with money or feel like I know whats going on, but thanks to this sub and other resources, Im really learning! Thank you all!Update: Wow, wow, wow! I didnt expect ANYONE to respond to this, I was just feeling good and wanted to say thanks. Im afraid Im really going to disappoint you guys with my success story Im really not as far along as I want to be, just in a far better place!!Well lets see, back in about November, I cashed out my 3500 401K, my only asset, to help get us by. I was planning to pay off some of my credit card debt and help keep us a float as my fiancée had gotten laid off. Wed already been living paycheck to paycheck and were making no headway on our 40,000 worth of debt. We completely blew through the money. I was trying to get us paid down, but our money was so mismanaged that Id pay 70 on my Visa, and then charge it again plus interest to buy groceries. A vicious cycle. I also wasnt keeping great track of our spending and we would overdraft our account occasionally because I would forget what hadnt come out of mobile banking yet. So at this time I had 3 maxed out credit cards all ranging from 19-27 interest totaling about 4400, plus one card with 0 interest with about 1800 due on it. My utilization was 68 and it wouldve been higher honestly if a couple of them werent store cards. No money in savings, stressed and arguing daily. Every purchase was a fight. When my fiancée got a new, better paying job about 300 moremo in January, I started actually trying to fix the problem. I bought, for 99 cents, the app checkbook. This was one of the best purchases Ive ever made and I started finding out where our money was going, why it wasnt stretching and I didnt have to wait for mobile banking to catch up 4 days later. I havent overdrafted since buying the app and using it religiously.Its funny to me now, that before I had no idea how to do the fundamentals. Now it is second nature, every night before bed I go in and balance our checkbook. After getting checkbook, I started researching websites trying to at least possibly get our debt down, and then I realized that reddit has a lot of very serious subs that are actually quite helpful and informational. When I knew that I could anonymously ask questions, and sound as stupid as I needed to, I began doing just that as you can see from my post history!Fast forward to about four months later, we are doing incredibly better, my fiancé is saving for a computer with his bonuses, hes terrible with money I dont think hes ever saved up for something before. But I think he actually will appreciate that he earned the computer instead of going into more debt to buy it. I hope!I have a little emergency fund set aside for us, so far about 500, but we both bonused this month and I get paid an extra week in May, so by the end of this month it should be about 1000. As far as credit card debt, we still have about 700 left on a 25 interest card, but the rest I transferred to a new card I opened thanks to advice on here! that has a promotional 0 interest for 15 months with a very small balance transfer fee. It also offers 1 cash back, this will honestly be the first time EVER that Ive had my money work for me, I already have a 106 statement credit there was a promotional incentive, I didnt spend 10,600. With paying down our debt, and opening a new small line of credit, weve taken our utilization down from 68 to 41. Cant wait til I can get it low enough to really affect my FICO score! Since November, my score has already raised 15 points. Im very excited to finally feel like an adult, to be doing grown up financial stuff! By August 2016, we will hopefully have put about a 10,000 since Nov 14 dent in our debt and itll be time to tackle the student loan debt. We also hope to have a down payment for a house and enough for a small wedding saved by April 2017. We also have agreed never to charge anything else even at 0 unless its completely unavoidable. We have agreed that if we dont have the money in the bank, we dont need it. That is HUGE for us. We are both suckers for that instant gratification. The only exception would be our new 1 cash back card, but again, we would still make an instant payment.We bring in about 50,000 gross together, so its obviously not impossible, but we do have to work at it. Weve also become very frugal. No more frivolous purchases, we discuss and analyze everything and are seriously viewing our spending habits differently.Things are just finally looking up! Thank you all for your support and kudos, sorry this probably isnt the inspiring tale youre all looking for, but its about new, permanent habits that have been life changing!  <response>: It is crazy how how a difference an extra 300 can make if you it saved up and only use on emergencies. Way to go! 