<prompt> Human: Throwaway. So I was doing pretty well with finances, but then life happened. My husband lost his well paying job, we had to replace the engine in our car, I had to get a root canal, and all of our savings and extra cash got zapped. Now, according to my budget, we run out of money next month. I cant see a way to cut back. I guess our only option is to make more money? Id really appreciate another set of eyes and maybe some advice. Current cash Me: 900 Husband: 200 Savings: 550 Income Me: 1,580 take home every 2 weeks. 3200 per month, excepting extra paycheck months This is after taxes, after 401k, insurance, etc. 15 is auto deposited into a savings account. This brings the total deposited into my account to 2,680month. Husband: 1,200 per month. However, he doesnt get his first paycheck until June. He also has to take a month off in August because of something legal with keeping him part time. Total: 3,880 Debt Credit Card: 1,500 to be paid off next billing cycle Motorcycle: 1,400 remaining, paid off in June 224month remaining balance paid in June Student Loans: 1,200 per month, 60,000 total Total: 1500month until bike paid off, then 1,200 Living Expenses Rent: 1,095 Power: 120 Gas: 50 Phone: 180 Car Insurance: 140 Bike Insurance: 85 Renter Insurance: 45 Internet: 60 Groceries: 600 GymPrescriptionsOther Health: 100 Gasoline: 300 Vehicle Repair: 50 Tithe: 150 Netflix: 15 Total: 3,000 This means our net income is -320, starting in July. Obviously this isnt sustainable. I can delay paying off the credit card and the bike, but that just delays the inevitable, and earns me a bunch of interest. My husbands current job, like I said, is part time. He has a hard cap at 29 hours a week, with the requirement to take a month off so that the school can avoid benefits. He has a side job at a shop, that is going to pay him when he finishes the work they have for him deadline is end of May, but we have no idea how much he is getting paid, and to be honest if he is getting paid. This is something he has tried to nail down, but the shop owner isnt willing to commit to something definite until he gets payments from the customer the job is for. He spends the rest of his time at this shop working towards that deadline. Once the job is complete, he is either going to find a second part time job, or continue working at this shop. I am not allowed to get a second job with the job that I currently have. And then as far as expenses go, we cant get out of our lease. We looked for something less expensive when our lease was renewing, but we were unable to find something for less that also had a garageworkspace, which we must have for our vehicles, as well as for my husbands work. I think if we break our lease, we are responsible for the remaining payments anyway. Utilities feels pretty hard, weve tried to go less data on our phone bill, but every month we have to bump the data back up anyway. Insurance is high, but my husband has had several speeding tickets, and I had an accident a few years ago. Every month we try to focus really hard on cutting down our food budget. We used to easily spend twice what we are spending now...but I honestly cant see us reasonably doing less than 600. Gas is another big expense, but my husbands job is across the city and then some, and then his second job is on the OTHER other side, and he basically makes a giant triangle every day. I think its something like 60-70 miles round trip? I dont know where else to cut, or how else to bring in extra money. My husband is working 12-14 hours a day including commute time so he doesnt have time for a third job...and I wouldnt ask that of him. Help?EDIT: Thanks for your replies so far. To clarify a few things though: My husband uses the motorcycle as his main form of transportation. We cant get away with wifi only, since I need data for work, and he needs it for navigation since hes hopeless with directions. We can certainly work on reducing unnecessary data usage though. I also learned from my husband that he uses his personal hotspot whenever he doesnt have good wifi. Thats going to stop. I can reduce the amount that I tithe, but I dont think I am willing to stop completely. I may look into a time donation instead though. I think Id be comfortable with that. Groceries include things like tp, kitty litter, shampoo, detergent. I also probably need to keep a closer eye on my husbands accounts because he just informed me he often just grabs lunch if he doesnt have the time to make it in the AM. So he probably spends 100-150 a month on that. 50 is for the 1-2 times we go out to eat together, and probably 50 on the non food items. Ill start putting my foot down harder on his food spending. I cant get a second job because my work requires me to be on call at all times. Im going to have a tough discussion with my husband about his work situation. I agree we need a contract, and Ive been trying to get him to get something set in stone, but he has hesitations for some reason. I think it might be because hes had trouble with keeping jobs. Whenever he has a financial discussion with his boss, his boss has fired him. Hes been through this 4-5 times in the last two years, so he probably has some reservations from that. So I can cut:100food100tithe40cell phoneAnd then drop my savings from 15 to 10This plus having my husband go on unemployment during August when hes forced to take a break, I think puts us okay again. Thank you guys for your hard words and forcing me to take a look at what was really necessary.  <response>: No tithe, no netflix, and crazy cheap on your food next month to make up the other 160. It could be spaghetti and sauce for a week to make the cut. Take the leftovers for lunch. The 600 you guys spend for food is too much.You can also split the credit card payoff into two months; yeah, youll pay some interest, but you may not have the cash flow to make it work otherwise. 