<prompt> Human: My wife and I and expecting our first child in a little under 3 months. up until this point i have never really been careful with my money. my savings is shit, if i make it to the next pay check without withdrawing from my savings its a big deal. i know im just irresposible with my money. i need some advice to help turn this around. heres my expenses and incoming cashmonthly income: Me 2400Wife 1400Expenses:Mortgage 650car 1 400car 2 230cable 100student loans 100gas 65electric 80sewage 25gasoline for my vehicle is about 130 a monthher car is about 100 a monthcredit cards are about 200groceries are around 500cell phones 170other then that i spend a shit load of money on dumb shit:gas station treatseating meals at resturantsbuying lunchesvape gear and e juiceany advice would be much appreciated. i know i just need to quit the bad habits , but that shit is hard to do. Thank you  <response>: Description Income Expense---------BigMean412 Income 2400 Wife 1400 Mortgage 650Car1 400Car 2 230Cable 100Student Loan 100Gas 65Electric 80Sewage 25Gasoline 230Credit Card 200Groceries 500Cell Phones 170Total3,800 2,750I am not a bot, this is so others can read your post. 