<prompt> Human: Hi everyone,Apropos of my other thread in rmarriage, it was suggested I make my way over to this board. This is the thread in question, whereby I racked up nearly 2k in CC debts and then had to tell my wife about it she was actually quite supportive in the end:I have always been terrible with budgeting and money stresses me out. In the early 2000s I had three CCs and an overdraft, but, due to a windfall from my grandfather, was able to pay them off. I then got an inheritance of 20k and squandered most of it in under a year: yes, I know, pretty awful, though I do have some nice hardware leftover computer, camera etc which get constant use even now. But overall, yes, I am dreadful with cash.All through my life I have been in this cycle whereby I get paid, spend some money and have fun after paying billsrent and then for the last two weeks of the month Im left with very little and have to ask for advance cash for the next month, which puts me in a perpetual deficit. Yesterday I had a conversation with my wife where I told her that a I was 2k in debt from the CC, b that I did not want advance money any more and c I want to get out of this cycle, balance my money and be in control of my finances which has never, ever happened. I am in my late 30s and my parents are in their 70s80s and in good health. But I need to learn how to do this to support myself for when, eventually, they are not around.I earn about 1450 per month net. I think that initially what I will do is, after getting paid, pay the rentbills and then split the disposable into four weeks work of food, household items, socialising. I also need to factor in paying off the CC card, but Im not sure how much to budget for that yet. Maybe 200 a month? I dont know. Its 35 APR so pretty damn high. Balance will be about 1800 by next pay day.Is this a good way to go about initial budgeting on my salary? Any advice would be great. I have been terrible with money my whole life runs in my family and will turn this around so I can finally be in control. It would be nice to factor in savings too, even 10, 20 a month or so.I may keep the CC when it is paid off to help raise my credit limit more or maybe get a better one?. Here is a makeshift spreadsheet which is a work in progress:Updated:Assistant: Its 35 APR Oh shit. That is bad. Id do skin and bones budget for a few months to get out from under that.Human: Yes, about 240pm would see it paid off by Xmas, however, there are summer hols to consider, and a couple more big occasions, so maybe I will need to do minimum payments for some of those months?Assistant: You should not be taking vacations when you have debt at 35 interest.You are in an emergency situation. You need to do everything you can to clear that debt ASAP.Human: Understood, the thing is that my in-laws live abroad and I visit them every year as a matter of course. It is both necessary for family relations and expected. It would look really bad if I didnt go. Fortunately they are generous and pay for a lot while Im there.  <response>: I have gotten out of a lot of expected stuff because I dont have the money. People deal.They would probably rather miss a year and you arent suffering from impending financial doom.Sounds like you might be trying to justify an over-spending lifestyle. Like you must keep up with the joneses. A lot of people get hurt that way.Only one person ever disowned us because we didnt go to their thing when we didnt have the money. Probably not the biggest loss in hindsight. I dont wish we had gone in hindsight. We were in a tough spot and it showed how they really were and that we are probably better off without them.In times like these, you really have to prioritize carefully and carefully evaluate how much things are really worth to you. 