<prompt> Human: Im new to all of this. Im trying to save my 1000 emergency fund but after almost three months Im only at 500. After that I have 38,000 to pay back. But how is mint supposed to help in all of this? I guess I dont understand its usefulness. To be honest it just frustrates and depresses me to look at my money. Paycheck in, paycheck almost immediately out. I could use some motivation.  <response>: I dont use mint for budgeting, i just use it for the expense tracking capabilities. Paycheck in, paycheck almost immediately out. Do you know where its all going out to? Do you know, to the cent, exactly how much money you spent on fastfood including snacks at gas stations, coffee, energy drinkts, etc, groceries, and restaurants last month? I do for my wife and I:Fast food: 185.39 Restaurants: 199.61 Groceries: 251.91Thanks to mint. And thats powerful. Over 600 a month in food. With that knowledge, I can identify places I need to pare back my spending. 