<prompt> Human: So my husband and I are moving into a bigger apartment in Jan to prepare for new baby due in March. We need to pay first months rent, last months rent and a 300 deposit, which comes to about 1500. Currently I bring home 1450month, and my Husband brings home 1200 variable commissionThis is after monthly health ins taken out.Our current bills are: Rent-560, Electricity-45-50, Gym 47 We cannot give this up, its my husbands only stress reliever., Insurance-81, GasGroceries-360, Student Loans 150, Phone 14 my Cell is paid for by work and husband is on his brothers and we dont necessarily have to pay this every month. We currently have 2 credit cards with a total of about 700, one is no interest. I am finding it hard to have money in the bank before the next payday let alone to save. I might be missing a few things. But our biggest culprit of spending is eating out, which I know we can get rid of, but how do I just put money away without the temptation of touching it?  <response>: How do you put money away without the temptation of touching it? With self control. Realize what you are saving for is more important than your current wants. You have 2650 in income not counting any commission, and 1262 in monthly expenses not counting your credit card payment. that is 1388 extra per month. so to save 1500 in 2 months should be easy. You can do that and pay off your CC. Set a budget using the numbers you just listed, and stick to it. Congrats on the baby. 