<prompt> Human: I will start off by saying I know I have made some dumb choices and I am paying for them now, I am not looking for someone to tell me that what I am looking for is some advice on further steps I can take to reduce some of these bills without making to many huge changes.I realize I could move and ditch a vehicle to cut alot of costs however the decision is not mine alone to make as I live with my GF and we share all expenses she is only willing to take baby steps on this.IncomePaycheck 12120Paycheck 21060Other90Total3270HouseholdRent600Renting a houseElectricwater130Gas60TransportationCar 13152008 truck that my gf uses to get to work and back low milesCar 24352013 car i use for my 40 min commute to workInsurance210Gas240I have approx 6 hours of commuting a weekFixed BillsPhones115Managed to work with verizon and cut about 50 dollars on this bill in the past month, looking into getting an additional discount through GFs employerBest Buy25Chase25Relatively low balance and will be paid off within next month or twoCredit card80Internet50TV45Kohls25Othernonfood50This is for laundry detergent, deodorant, lightbulbs or any other household expenses that come upfun money120Split between me and gf, about half of this gets drained on funding her smoking habitPet supplies50we have a dog and a few cats, this is cost of food and litterGroceries300Savings40Although its not much this is the bare minimum going into my savings each month, any additional money after other budget expenses goes to extra payments on credit cardsTotal Expenses2915Again i understand the best way to deal with this is to make huge cuts like getting rid of a vehicle and moving closer to work, While if it was just me I would be perfectly willing to do this it is not my choice alone to make and my GF does not want to move away from her hometown and where she works.Edit: I forgot to add that the income is a minimum monthly income, we have been selling a lot of things we have around the house and are not using and I have also been donating plasma while I search for a part time job.  <response>: Dave Ramsey would say, your car payments are killing you. Sell the cars. Get something you can pay cash for. Save money to buy a new car with cash. 