<prompt> Human: Hey rpersonalfinance! So my SO 27M and I 24F recently opened a joint account so we could pay bills easier out of the one account. We put together a budget taking all of our regular expenses into consideration. Somehow, we are still short and will spend next week with only 68 Still something!. Anyways, I was hoping you guys and gals could help me figure out if we could be doing this a better way. Here is the budget we made up. His monthly income - around 2000 My monthly income - around 1600 Im working 2 jobs so Im making a little more, but I only depend on my income from my full time employer because its the same every week Shared Expenses Rent - 1100 Utilities HydroGas - 150 Groceries - 400 Pharmacy - 200 some of my prescribed drugs are expensive and not covered by his benefits. He helps me pay for these. What an awesome dude Entertainment - 360Total 2210 1105 each.Since I get paid every week, I divided my portion into 4. Thats 276.25pay, but I also have my own personal expenses. Personal Expenses Student loan around 13000. Monthly payment of 100 Repayment of a debt to my aunt 100month. payments will end in March Dog food 80 I have an allergy dog, she has to eat the expensive limited ingredientnovel protien diets. If I feed her anything else, that results in a costly trip to the vet! Cell phone 96Total 376month, or 94weekObviously, this budget works for me. I put away 370 per week to cover all expenses and Im left with 29.75 to get coffeelunches at work. Now onto his expenses. His take home pay 2000monthBi-weekly payments into joint account 552.50 Car payment - 100 bought the car from his dad, payments are almost up on that Insurance - 100 Child Support - 215 Credit Card payment - 200 Gas 80month Yay 2001 Prius! Total expenses 695 or 374.50pay.So each pay period, he puts away a total of 927. Leaving him with around 70 to last 2 weeks. I would just like to hear any input you guys have on how our budget could be better. Currently we are not budgeting any type of savings which makes me nervous. Im already working 2 jobs, and his job has long hours. How can I find extra money to put into savings?  <response>: How can I find extra money to put into savings? Start by cutting that food budget down400month is far too high - especially for a family of two, without kids. You need to start treating the fact that you have zero savings and debt as an emergency. Think about how you guys would manage if something chaotic happened that prevented one of you from working for a few months - your life would be in shambles. Cut down the entertainment budgetWhat does 360 even include?? Im guessing youre living in a high cost-of-living area and your entertainment comes from going out for drinks. I may, obviously, be wrong. Dont worry about correcting me - where this money goes is less important than the fact that it is going. Again, treat the fact that you have zero savings and debt as an emergency. One of the benefits of living in a high-cost-of-living area is youre paying for all the free entertainment available to you. Go to museums, parks, free shows, etc. ---Last bit of advice: I noticed that for every comment you received on this thread, you had an explanation for expenses. Most of the time, these explanations are things we tell ourselves to justify expenses. You have to make a decision: are you going to keep justifying the expenses in your life or are you going to get your finances in order because the excuses are going to always be there. 