<prompt> Human: I make around 30kyear before taxes. Usually breaks down to about 1800 a month after taxes have been taken out. I have no car payment and my monthly rent is 550.00. Add that in with internet, phone and electric im usually paying about 750.00 combined. I am paying around 3 different credit card bills monthly that usually equate to about 60 a piece. So when all said and done when I factor in groceries and gas im usually looking into about 1110-1200 in monthly expenses. With 1200 in monthly expenses i should have 600.00 or so to do whatever I want with. Yet somehow i always end up dipping into my savings, im now down to about 150.00 in my savings scary. I have been trying to eliminate my going out for lunch and my weekend bar habits. Id love to hear some tipsfeedback on how i can tuck away at least 200.00 a month into my savings without freaking out before pay day.Thanks in advance!  <response>: Stop buying things you cant afford on credit. 