<prompt> Human: I apologize in advance for the long post.I got divorced last year and I am now living on my own. My goal is to stick to a budget but I want to increase my cash flow every month so I can take my kid on vacation. I am looking for ideas to improve my budget. This is it at a high level ...x200B;InOut:-:-:-:-Paycheck5,730Rent1700 2BDCar payment700 0 interest - paid off in 2021Car Insurance300 several accidents, I knowPhone90Internet70Internet Services10Food200Utilities100Entertainment100Extended daycare300 shared custody of my daughterSchool Lunch60 shared custody of my daughterCredit card debt300 as of 1015, total amount rounds up to 6,000.00Healthcare ? As part of my divorce decree, I will cover my daughters under my employers planx200B;So at the end of the month, my cash flow balance is at 1,800. Not sure how it fits here but I also put away 460 per month in my employers 401k no match. Taxes-wise, it hurts and I know its gonna hurt again next year I declare 0 exemptions. Because of my divorce decree, I cannot relocate to a different geographical location. This is preventing me from finding a cheaper apartment and my daughter needs her own bedroom. I am thinking of trading my car in for something cheaper but I am debating if financing is worth it. Because of my divorce decree, Ill have to provide insurance for my daughter in 2019 and plan to use HFSAWhat else can I do to improve my cash flow?x200B;x200B;x200B;x200B;Assistant: Skip the vacation. I know its hard because you want to spend the early part of your childs life together, but having a parent that is in a stable financial situation is much preferable to one that is able to give lavish gifts. Once you reduce that vehicle payment and get rid of the debt you will be in a very good position to start planning for the childs college and other future expenses. Other than that you are living a very conservative life. Start withholding taxes so you dont get slammed by the IRS, stop contributing to retirement until you paid off your debt.Human: You make a good point re: vacation. It is more guilt on my part than competing with my ex.  <response>: Any fun locations near by that you could take a mini-vacation? Theme parks, Zoos, etc, if theyre still young theyll likely appreciate these just as much as an expensive Disney trip.And since I dont see anyone else mentioning it, you might consider looking into a cheaper phone plan. I pay 55-65month for 2 phones using Google Fi. I believe its something like 20 for one line 10GB. I usually use 2-3 GB a month for both phones wifi at work home and it almost cut my Verizon bill in half. 