<prompt> Human: My wife and I 28m are currently renting a house. Have credit cards, medical bills, college loans, and every thing else. We use an excel spreadsheet to keep track of everything, but keep needing to get cash advances to cover bills. She wants to have a home soon year-end ideally and wants to start having kids soon next 3-6 months. I know with these expenses, I need help getting everything in line, and stacking cash advance fees are not helping. I am at the end of my rope and feel like Im failing my family. Edit: I did talk her into house hunting in 2016, but she does want kids soon. What advice do you have for a man trying get his money under control?  <response>: We use an excel spreadsheet to keep track of everythingGreat! So whats your average monthly income, and whats your average monthly expenses? Sounds like the latter is larger than the former, given the need for cash advances. 