<prompt> Human: EDIT: I live in Toronto, CanadaEDIT:added incomeWe have a large spreadsheet from the side bar and we are inputing our expenses every day. We are tracking everything bi-weekly instead of monthly. We need assistance cutting down our monthly expenses so we can pay off our debt more aggressively. INCOME Salary for both is 5400 per month a large portion of my income is commission but it isnt reliable so I wont include it. I just lost a deal that would get me 45,000 over 3 years. TOTAL DEBTS Visa- 177.75 9.00 Visa- 427.00 13.00 Capital One- 860.0019.00 Student Loan 1- 17,721.00 0.00 Student Line of Credit- 7,983.004.00 Government Debt- 1,000.00 Visa- 4,080.2319.00 Mastercard- 5,700.00 19.00 Student Loan 2- 15,501.00 0.00 Overdraft- 526.00TotalDebt- 53,975.98MONTHLY BUDGETGroceries- 500 Food Dining- 200 Home towels, light bulbs furniture- 70 Transit- 120 Pets- 50 Personal Care hair cuts, makeup, deodorant etc- 160 Travel rental car and bus tickets- 200 Shopping books, clothing- 230 Concerts Movies-160 Alcohol- 80 Coffee- 80 MONTHLY BILLSRent- 1,475 Hydro Water- 100 Internet- 80 Home Insurance- 28 Phone 1- 80 Phone 2- 40 MONTHLY DEDUCTIONSSavings- 100 Emergency-100 Vacation-200 MONTHLY DEBT PAYMENTSVisa- 50 Visa- 50 Capital One- 50 Student Loan- 100 Visa- 150 Mastercard- 150 Student Loan 2- 60 Student Line of Credit- 7,983Assistant: Youve got a LOT of fun stuff money in your budget when you really cant afford it. if you cut your dining, personal care, shopping, concertsmovies, alcoholcoffee in half and I would argue that you should be able to cut more you could save more than 400 per month.You also cant afford to put any money towards vacation right now. Human: Thank you. This is the advice I was looking for. I knew they were all high but my girlfriend thought they were reasonable. Any suggested budgets for dining, personal care, shopping, concerts movies, alcohol and coffee? Close to zero for most I assume?  <response>: Coffee maker and beans or ground coffee plus a thermos. That much is easy. 3 a cup of coffee is tough when you do the math over time. 