<prompt> Human: So, my wife and I have decided to start taking budgeting rather seriously after a few emergencies that nearly ruined us. However, we dont really have much income, so it becomes pretty difficult to budget for. Im currently working 3 jobs since nobody seems to want to hire full time positions any more yay my bachelors degree, and with all three our monthly income averages out to about 2400-2600 per month depending on how many hours I get.Our rent includes all utilities internet, tv, electricity, etc. and is 900 per month. Our car insurance is about 100 per month for each of our cars both of which are paid off, health insurance 110 per month, renters insurance 50 per month, cell-phone 100 per month, tithing we are Christians 240-260 per month, food 300 per month to cook with, date nights 100 per month, gas 300 per month, her old credit card debt 50 per month, student loans 50 per month, dog food 30, dog fleatick medication 30Currently, this leaves us an average of about 100-200 at the end of each month, but that usually gets spent on that months emergencywhatever small daily costs are incurred.I know we are on the lower end of the income bracket teetering on the poverty line, some months below it, but we just dont seem to have enough to spare for saving. We need to establish an emergency fund, save for a home, save for a child, but just dont have any luck. Does anyone have some recommendations for what expenses can be cutreduced to help save? Currently, Im working about 60-70 hours per week, and it just seems overwhelming. In addition to that work time, Im also earning my masters, which is another 30 hours per week worth of work minimum. Assistant: Does anyone have some recommendations for what expenses can be cutreduced to help save? date nights 100 per month, tithing we are Christians 240-260 per monthThis is the second time Ive had to ask someone this today. Did you read your own post?Human: The second isnt negotiable, the first one is already being cut. That was just the breakdown from past months, and is being changed already.  <response>: Can you do me a personal favor? Ask your Pastor if Jesus would like you to go bankrupt. I know its the right thing to do, and there is probably some habitdedicationguiltshame associated with not paying, or not paying a mythical percentage that is right and good to be a good christian - but seriously - Jesus doesnt want you to go bankrupt. The church knows that people go through rough times - cut back until you build up your e-fund, your savings, pay down more debts. In 5-10 years when you guys are making double what you make now, you can make an extra large donation to make up for these months of lower tithings. 