<prompt> Human: This is my first post so I apologize if its been asked before. I am recently single and 30 years old. I work a full time job M-F 8-5 and an as needed job whenever they need me or I can work. I currently make 17.50hr at my full time job and I put 5 of my income into a Roth and 5 into a traditional IRA as I didnt know which was better. My employer matches 3 for a total of 8 into each. On top of all of this, my health, dental, and eye insurance all comes from my paycheck and that leaves me to clear about 950 bi-weekly. I make around 14 an hour at my as needed job so I do not count this income as it is not consistent. So heres the breakdown of my expenses. I do not have a car payment, cable, or internet. I do own my home. I have about 250 in savings and 0 in checkings. Mortgage: 307moCell phone: 116mo unlimited everything through Verizon Student loan A: 4200 100mo - through my bank Student loan B: 20K 23mo - my federal loans which are under income based repayment Water and Electric- 200mo has been higher since winterCars: I have 2 cars- a 2015 Civic and a 1999 Wrangler both paid for but maintenance and gas is roughly 100mo at most Car Insuranceboth cars: 720 6 mosFood: 150mo maybe I dont eat out oftenPersonal loan through family: 5000 no set monthly payment- just pay wheneverMedical bills: Varies- but lately its been 400 each month as I have a heart condition as well cluster migraines that are out of control - and MRIs are EXPENSIVE! Credit Cards: I have 2. One has about 400 balance. One has roughly 70. PetsRandom expenses: 100mo if thatIf I total my monthly expenses it comes out to around 1K give or take a month as it does vary due to my medical bills. I clear around 1,900 a month without including my as needed job income. So I am unsure as to why I have zero savings and continue to live paycheck to paycheck. I have nothing in collections and everything is paid up to date. I feel like Im struggling to get air every day and get caught up. My partner did assist with the bills when living here, however the help was not completely consistent and I actually have more money now than I did when my partner was living with me. Do you all think I should get another job on weekends and evenings for awhile until I can get caught up? I dont live an extravagant lifestyle and the things I do have are not new. So I dont understand why I cant get caught up. Any advice would be appreciated!  <response>: If I total my monthly expenses it comes out to around 1K give or take a month as it does vary due to my medical bills. I clear around 1,900 a month without including my as needed job income. So I am unsure as to why I have zero savings and continue to live paycheck to paycheck.You need to start tracking every cent you spend so you can see where it goes. 