<prompt> Human: I understand that I should be saving fo retirement and pay off my school loans but what else can I do to manage my finances. I am married with no kids just two dogs and with a joint income, we make about 68k a year before taxes. I live in a rent free house that is owned by family so someday I would like to save up for a house and a reliable car. I always paid cash for everything I needed like wedding rings, cars etc... so I never used a credit card. My credit score is in bad standings sitting around 520 due to delinquent school loans which I am working on right now to get out of collections. What are some ideas on managing my money?  <response>: What are you spending all of your money on? You dont pay rent and dont have kids, so with a joint income of 70k you you should be able to sock away at least 1k a month.Without seeing your budget its hard to give you advice. Generally, you need to cut spending and increase income. Dont spend money on stuff you dont need and figure out where all your money is going. 