<prompt> Human: Saying spend less than you make is a really good plan but that ship has sailed. I had to take a large paycut when we moved to a new state. Im looking for a second job but we literally make less than our expenses we have cut everything we can and we are slowly bleeding out money that we were saving for the down on a house what would your advice be for this ?  <response>: There is no magic. Increase income, decrease expenses. Post a budget and we can try to offer suggestions. 