<prompt> Human: Not sure where to begin but Im trying to figure out how we can change. As of now, we cannot live fully because we are constantly living paycheck to paycheck. Ill give all the details I can think of to help better understand our situation.DEBTSBoyfriends credit card debt-18,000My credit card debt-10,000Boyfriend owes in federal taxes-2,000 as of three years ago when we last filed his taxes.Boyfriend school loans-18,000My school loans-12,000BILLS per monthRent-600Electric-200Water-21Sewer-40Cableinternet-162Netflix-13Gym-40Car insurance-98Pet insurance-42My student loan-150Boyfriends student loan-250OTHERCigarettes-325month for both of usWeed-280monthWe eat out quite a bit because we work late and are lazy when we get home.Dont actually go through much gas because we live close to our jobs. We both have paid off cars 98 Jeep Cherokee 180,000miles and a 98 Buick century 60,000 miles.Both get us to work every day but need a lot of attention. We try to do the things ourselves as we have the money. But I am in some serious need of some breaks right now.We have one dog. But we are also fostering another dog right now. The only we are paying for is food because we feel bad feeding it the crappy food the animal shelter gave us. We desperately want another dog so ours has a friend reallly bad anxiety but we know we cant afford it. We have pet insurance because our little guy goes to the vet about once every month or two. It has saved us probably thousands.We are both servers so our incomes vary quite a bit. I would have to estimate we are making about 3,500 a month between the two of us. Working 5 days a week. Sometimes a couple doubles. 3 years ago boyfriend was a private contractor for a taxi service and we didnt understand how he taxes worked. Ended up owing a lot of money and Im not entirely sure why we havent filed since. I think its a combination of being scared and lazy. Cant get out of gym membership until December. Cant get out of DirecTV until September and we owe a total of 300 to pay off phones with tmobile, then we could get out.We stopped paying the credit cards years ago. Probably 3-4 years now. We had considered going bankrupt a while back. Even got a lawyer. But then, just never went through with it. Ive now settled with 3 of the 7 credit card companies I owe. Boyfriend still has 6 credit cards that he owes money. One of boyfriends companies has served him papers to go to court, but we did not go. We really have just been slackasses for years now and I want it to be different. I am 26. Boyfriend 30. Like I said, we both are servers at restaurants and we actually dont hate our jobs, but Im ready to pursue my passions whatever those may be!. But I want to figure things out. Experience life. Travel. And for years we havent been able to do anything. For the past couple years Ive been dreaming about having an urban farm, but I know I cant move forward very much if I am being crippled by all this debt.We sit down every couple months and say, alright, lets get this organized. Lets figure this all out but we never get anywhere. We need help. Where do we even start?Assistant: 1. stop smoking2. stop consuming weed3. stop eating out4. work morefind extra jobsHuman: stop smoking stop consuming weed600mo savings right there. 3-4 months of savings, would help pay off BFs back taxes depending on late fees. Assistant: Any idea about where to start with the taxes? Since we have not contacted them at all in three years...do we need to hire someone?Are we allowed to have any money budgeted for fun things or do we need to put all money back into the debt?  <response>: Fun should be very low on your priority list right now. Get your finances in check before you think about fun. Do free fun things, like going to the park, bike riding, walking your dogs, street fairs, etc. 