<prompt> Human: Right now myself and my girlfriend are trying to pay down debts and save for both vacations and for each of us to start their own business. It seems we are in a loop of getting pay-day loans to cover the expenses we forget about or miscalculate. Just wondering if we can get some help with getting a good plan together to turn this around for us. We have eaten out quite a bit and have tried reserving that for special occasions.Bills right now are as followsCableInternet- 225.00 per monthCell Phone - 100.00 each phoneRent- 800.00 per monthChild Support- 466.50 per month.Insurance for her- 100.00 per monthInsurance for me- 450.00 each 3 months coming up in JuneVisa total is - 1530.00 26.00 interest- Payment is usually around 200 per month.My pay is around 2200 per monthHer pay is around 1500 per month.Just trying to get out of the cycle of not having enough money to cover the debts. Any help would be awesome. Each time we get a pay-day loan it costs half of our pay. Then we are needing to get another to cover basic expenses.edit- I have just gone through and added up my eating out habits from April 14 till May 13th and it adds up to over 1200.00 dollars. This in addition to the other purchases from Wal-Mart and the sort is what is killing us. I will be tightening up and getting that money saved and getting out of these loans. Thanks to everybody who gave advice.  <response>: CableInternet- 225.00 per month Cell Phone - 100.00 each phoneEven for Canada these are ridiculously outrageous prices. 