<prompt> Human: Here are my numbers: 775, rent 40, utilities 100, electricity 300, car payment will be done 32019 143, personal loan will be done 62019 100, savings 57, cableinternet 75, cell phone Needed for work, unfortunately, so I cant downsize. This includes a device payment of about 20. 20, maintenance medicine for chronic illnesses Credit Card 1: 5300 at 16.49 Credit Card 2: 600 at 18.24 Usually after I pay bills, I have about 300 or 400 for groceries, gas, pet food, what have you.My budget works in theory, but then something happens like I get a flat tire and need to replace it or I go to the dentist and they tell me Ive been grinding my teeth too hard and I need to replace all of my fillings. Or one of our animals gets sick and has to go to the vet. And then I get in a spiral and my husband and I are depressed and order takeout food on credit.I recently got a 2.59 raise after a year of busting my ass at a stressful job. I was expecting more, to be honest. Ive thought about leaving for a higher paying job, but Im worried that only being here a year will reflect poorly on me in the future.My husband is house-bound due to various health reasons. He does freelancing on the side, but it doesnt seem to help that much. His checks always seem to arrive in the middle of some crisis and evaporate instantly.Sometimes I kind of resent him for not being able to work, which makes me feel horribly guilty. Being the primary breadwinner is very stressful, especially when it feels like were in a nosedive.Ive thought about taking out another personal loan to consolidate my debt. It would be about 250 a month for four years. Is this a good idea?Ive also thought about trading in my car for something with a lower monthly payment, but Ive heard that can be tricky to come out ahead.Any ideas for what I can do to get on the right track?  <response>: I dont think your budget works, either practically or in theory, because you have 300-400mo. going for groceries, gas, pet food, what have you and you end up ordering take-out on a credit card. How much money are you spending on groceries for two people? How much is pet food? How much do you spend on gas monthly? Spend 1-2 months tracking every single penny, and then youll have a much better grasp on where your money is going and can actually budget AHEAD of the month. So when those emergencies pop up, youll be in a much better position to rearrange certain payments or know exactly how you can handle the emergency.Finally, stop taking on debt. Do NOT take out a personal loan. DEBT DOES NOT PAY DEBT. And it doesnt seem like youve addressed your spending habits at all, so whats going to happen is youll CONsolidate your debt and then run up those credit cards again, basically doubling what you owe. If you think youre in a downward spiral now, just wait.Become militant about your budget, build up a limited emergency fund, and then attack your debt. And for the love of Pete, stop putting take-out on a credit card. If you cant afford Chinese food other than putting it on a credit card, YOU CANT AFFORD TO EAT OUT. 