<prompt> Human: This is embarrassing.Im not 100 sure why Im posting this. To vent, voice the fears, everything Ive been keeping in for the last long while. Maybe to see if other people have been in this situation and beaten it, that would help. Im stressing, losing sleep and going grey, every month I dread checking my balances, its not a good feeling. Im a 40 year old guy, with a long term GF and an 8 year old I share custody with my ex with. Im at an age where not only should I have my shit in gear, but also be saving money and investing into my retirement.In reality, 5 years ago I had over 50,000 result of the split from my ex in my checking account, I paid my bills today only to see it dip below 10K. I had a panic attack, still feeling it. Feeling like a huge failure, I want to provide the best for my family but unless something changes Ill out of money sometime next year and lose everything..This prompted a reality check along with the heart attack that I cant just spend and spend and hope that stuff just gets better. I need to take action, stop spending money and just learn to say no to going out, Im counted over 700 in fast food, restaurants, booze and other nonessential expenses each month alone.I have a good job that should be paying all the bills, not including non-essentials. Ive got some credit card bills, but if I hunker down I should be able to pay everything off this year. Between my income and help from my GF, we should be saving almost 1000 a month. Ive downloaded YNAB and entered my data, set the budget. Hopefully the numbers will stabilize, and god hoping maybe even start to grow each month. Am I starting the process right? Anything else I should be doing to stove off this crisis before its too late?Thanks  <response>: You know what to do. Do it. If inflows outflows, youll be fine. The math is just simple addition and subtraction, there are no secrets. 