<prompt> Human: So heres the backstory. Im a full time student that works part time, normally making about 1200mo. My husband makes around 1500mo. and our expenses are:Mortgage 520Car Payment 1 267will be paid off in MayCar Payment 2 175Electric 130Water 70Propane 125Car Insurance 200Cell Phones 90Internet 65Netflix 10Credit Card 100Gas 150Groceries 300Health Insurance 220Misc. 150I feel like we are pretty frugal people, we only eat out once a week max and I still find us struggling to make ends meet every month. Does anyone have any tips to maximize the money we have or ideas to generate more?  <response>: Okay:Your formatting is a little confusing so Ill clean it up for other users.Income2700.00Expenses Mortgage - 520 Car Payment 1 - 267 Car Payment 2 - 175 Electric - 130 Water - 70 Propane - 125 Car Insurance - 200 Cell Phones - 90 Internet - 65 Netflix - 10 Credit Card - 100 Gas - 150 Groceries - 300 Health Insurance - 220 Misc - 150Total Expenses - 2572Jesus! Youre spending roughly 95 of your incomes each month! Of course youre going to struggle! Heres some tips I can offer: Budget : You cant do anything about your debts from what I see, and its not like I know any of your interest ratesbalances to assist you in knowing which debt to settle first in order to free up more money. I will, however, tell you that you can cut grocery costs. Youre just slightly over where I would recommend youI recommend 10, youre at 11, so try cutting down to the 270 to help out a little. Gas? : How often do you travel? Is your work commute each day like 10 minutes? If so, then 150 is about right. In terms of costs, you seem to have a lot of expenses that are going to debts, have either of you considered a second job temporarily? Meet with your insurance agent, and see if theres also any discounts youre missing out on as well. Then lets talk full budget. 