<prompt> Human: So heres the thing, probably should have asked for help earlier when found out we were expecting we immediately decided that we were going to budget for the baby. I have a debt of 12k from dropping out of college that was sold to a collection agency and he has a debt of 8k. I had a small saving of 3k which I ended up blowing on bills and helping him fix his car when the transmission went out. We will eventually have a house payment of about 720. I try to track all that I buy but I lack the discipline to keep it up. I say we are buying a house but I found out he had bad credit so my mother and I applied for the house loan. Dont get me wrong hes going to help pay but still...Now heres the issue. I make a little under 18k a year and he makes about 24k. I try to budget and my mom helps me in planning meals, and paying bills etc so we arent constantly eating out, getting late fees etc. By help I mean she gives me recipes only. He cannot stop eating out or buying things for his xbox, or buying weed touchy subject all I know is that he splits it with his best friend or just wasting money in general. He buys diapers every once but still... Any tips on how we can meet in the middle and learn how to budget or do something on how to pay our debts in an orderly manner?Edit: Neither of us have credit cards and I get a check monthly so I only use cash. I refuse to have a bank account with anyone just for the simple fact that my mother was in an abusive relationship where he controlled all the money. Edit2: surprisingly the house only costs 83k and the monthly payment would be the same as rent. I agree with the sentiment that it be the most I pay for rent but all the apartments here are income based and we over qualify. Update: we decided not to buy the house. In part because of the finances but more about the fact that the bank was screwing us over and dragging us around big time. Thanks for all your help and advice. It really is greatly appreciated.  <response>: If BF doesnt want to grow up, hes not going to. There is no middle, he has responsibilities now. You both got to get on the same page if youre going to combine your finances. 