<prompt> Human: Income My Net Paycheck 2,328 Husbands Net Paycheck 1,480 TOTAL 3,808Bills Rent 1,420 Groceries 300 Cell Phone 250 Auto Transfer to Savings 25 Barclays Dream Account Savings 10 Zipcar 9 Spotify 5 Student Loan 330 Husbands Bus Pass 100 My Bus Pass 100 Auto Loan 303 Auto Insurance 150 Internet 65 Utilities 100 Husbands Cap One MasterCard 241 Husbands QuickSilver MasterCard 52 My QuickSilver Visa 91 PayPal Credit 35 Barclaycard 40 Husbands Barclaycard 40 My Cap One MasterCard 89 LEFTOVER 53Notes on things that I think might come up: We are in the process of paying down debts. Anything below Utilities should be paid off in 5 years according to this debt snowball app that I am using. Yes, 5 years. I dont know how Im going to work with a monthly leftover of 33 for 5 years...any help figuring out something Im missing would be great!Cell phone is high, yes, but thats for 4 lines for 4 people 2 of whom are family that cant afford a phone, unlimited textmessagingdata that is needed for personal entertainment as well as business use however, it also includes monthly payments on some smartphones that we are also trying to pay down as well. Once those are paid off it will be 160month.We have no emergency fund hence the Dream Account savings, and Auto Transfers, trying to build up something.I screwed up a year ago and got a used car. I realize now that I dont even need a car. Transit is great around here, and we have Zipcar that we pay 9month for the liability waiver on. Car is worth about 9,000, and I still owe 14,000 on it. So Im stuck with the car, unless I stop paying it and have them repo it. I dont want to do that. My credit score is in the high 500s and I cant get any personal loans to pay the 5,000 different so that I can sell it and pay off the car loan. Any other ideas?Student loan is on an income-based payment, and the balance is about 89,000.Rent is high, but, we live in the Portland metro area, and that is normal. There are apartments that are cheaper, like about 1,100-1,200month, but the cost difference doesnt outweigh the fact that we dont have money for a security deposit or firstlast months rent.PS: The subreddit is my go-to everyday. Ive learned A LOT from you guys, and its really been a great motivator to curb my horrible spending habits and eventually become debt-free. Thanks for all of your insight!  <response>: I think you outlined the problem areas. Cell phone could be cut 100 and youd survive. Suddenly youd have 300month of extra instead of 33.Cars and transportation are the other big one - all told you are at 660month for transportation without accounting for gasregistrationrepairs. If you have the car, and are that far underwater, do you really need the bus passes and the zip car as well? 