<prompt> Human: To start off just turned 30, no savings, steady job, albeit not very high wage, living with fiance and 3 pets. I just started getting the savings bug and I feel like I am not in the best position for later in life and want a second opinion on my budget.Currently I make a flat 600week before tax as a web programmerIT manager for a small company. On the side I sell server hosting to a few clients and that brings in about 200 extra a month after costs. Fiance has a part-time job bringing in about 150-200week, I wont include her income, she covers gaselectric out of that, plus money for her own few billsstudent loan, cell phone, cats etc.This is how my proposed monthly budget looks currently:Monthly net, including side business: 2228Rent: 500 Auto Loan: 350only actually 284 but I like to pay it down a bit Auto Insurance: 75 Vehicle Fuel: 140might be high but I drive quite a bit so I budgeted high Water utility: 65 Cellphone: 50 Internet: 50 Dog: 50 GroceriesRestaurants: 350 This can vary wildly, I estimated on the high side Fun Money: 200 Total: 1830Leftover: 398monthI would like to think Im living within my means, and I am not in a position of struggling monthly, but there isnt very much wiggle room and this includes 0 savings and 0 for health insurance. Speaking of which, that is what scares me the most, Ive looked at the marketplace for individual health insurance and I cannot see myself affording a plan that doesnt have a huge out of pocket deductible and my employer is small enough that they do not offer it.I realize that the best solution would be to make more money, if it were only that easy.Any insight would be appreciated. I just started playing with YNAB, which I can see helping in the groceryfun category but everything is pretty much a set expense.Am I on track or am I going to be under water here soon?  <response>: Is there a reason your fiancée is only working part time? I would make it a goal to save 500month. Build an emergency fund first, then focus on starting a retirement account and chipping away at your car loan. You are spending way too much on gas IMO, that ship has likely sailed for the time being since it sounds like you just bought a car, and either its not fuel efficient or you drive a ton of both. 