<prompt> Human: I am in dire need of a budget. Can someone please help me out. Rent: 200Phone: 29.90Credit card one balance to pay off: 2,000Credit card two trying to pay off: 4,000Avg. paycheck: 775Usually take 40 dollars to fill up tank. Anything helps. Im just so lost and want to pay off my debts and save some money. I usually put 10 percent of my paycheck into a savings account. If you have any questions please ask and I will answer. Assistant: You need more income. Also, this isnt a full list of your expenses. For example, you forgot groceries, insurance, etc.Human: I spend about 40 dollars on groceries a week. I do not have insurance. I am a graduate student.  <response>: If you have a vehicle that you are putting gas in, you need car insurance. If you cant afford car insurance, you cant afford to drive a car. Review your expenses for the last 30-90 days or if you mostly spend cash, track everything for the next 30 days and make a real budget that includes all of your expenses. Use that as a place to identify things to change. The reality is that you need more income to pay off your debt, but reducing expenses will also help. 