<prompt> Human: Warning this is long... Ive been lurking around the sub for a little while and decided to finally ask for guidance. Its hard to even know where I should start explaining the terrible financial decisions my husband and I have been making over the last 15 years coupled with bad habits...If I leave anything important out please let me know. We spend every last dollar in our bank account, every month. By the time the 21st of the month rolls around we generally have less than 200 left in our bank account. I will not make any excuses for our bad choices. They are what they are. I am trying to move forward and change our spending habits. I am in a position where it is difficult for me to work. We have two young children. Day care costs where we live would cost around 1000 a month. My earning potential where we live is around 1200-1500 per month, with no benefits. Its a shitty rural area, I would have better earning potential in a metropolitan city. Husband is 100 against moving. He feels his job pays him exceedingly well, and he believes he couldnt find a job anywhere else as he has no degree only years of experience in his niche field. Crazy enough, the cost of living in our small town is equivalent or exceeds the cost of living in the closest major metropolitan city. He hasnt had a raise in about 3 years at this job, his boss says he already makes much more than the average for his position...probably not true. His position has grown to encompass the responsibilities of three coworkers that retired. He has been promoted in title recently and offered a 4000 performance bonus to be paid around august. We are essential stuck with these numbers for the foreseeable future. Our goals are to: Have an emergency fund Start a retirement plan of sorts Curb bad spending habits Get out of debt as much as possible Improve Credit Scores 490 624 Any advice on how we should be allocating our funds and cutting back would really help. I Broke down our basic bills and debts. We know we need to eat out less, its a major blow to our finances every month. Groceries are also a big expense I would love to be able to cut down on but only have two expensive options to shop where we live. So again, where should we be putting our money, where should we be cutting back? What do we try to pay off first? Bills:--:--:--:--:--MonthlyTermInterestBalanceMortgage1321615 yr2.8089255Car57546 yr4.8413361Electricity160Water80Internet140Car Insurance160Cell Phone94.11Gym35Netflix11Online Storage15Groceries300Restaurants850Prescriptions50Gas180Shopping250Credit CardsMonthly PaymentAPRBalanceCare Credit200Variable1336Furniture277241646Capital One46829.99468DebtsCurrent BalanceAPRHospital Debt1585NADiabetic Supply Debt630NAOld Electric Bill230NAStudent LoansBalanceTermMin MonthlyInterest Rate3617530 year5.123248330 year5.121272030 year4.2051430 year4.20342Extended GraduatedIncomeHusbands SalaryTake Home82,000 per year5,000 per month take homeMonthly IT Retainer250  <response>: I dont understand. Why do you have any debt at all? You guys make a good amount. Stop spending 850m on eating out and get cheaper internet. Although I feel like you are missing where your money is truly going. 