<prompt> Human: My boyfriend and I both used to make decent money. He made about 2.3k monthly, I made 1.5k. After doing some math we decided that if we cut back our splurging a bit I could quit my job and stay home with our son. Bad math. Its been only a few months and were behind on all of our utilities. Im overwhelmed by that and I get even more overwhelmed thinking about paying down the debt we had before I quit.Im not sure what information you guys need...I dont have much debt, but I owe so many different people that it seems too big to tackle...Dental- 913.85Medical- 400State- 1,400Credit card- 500And my monthly expenses which are adding up quicklyRent- 735Car- 166.75mo minimum I owe 5,035.25 total on itWater-158.75 60-80moElectric- 534.45 usually about 150moPhone- 150 75mo. Im on my moms plan and she told me not to worry if I cant pay but I really want to be able to pay herIm at a loss... where do I start. Our money is gone in the first half of the month so we cant start saving for bills due in the second half.I also have no clue why we are struggling to make our basic bills debt excluded... my boyfriend is still making around the same amount but since he never puts that money in the bank I cant keep track... He just hands me money if he has it when I ask to pay a certain bill.  <response>: You need to talk with your BF; you guys are parents and a team now. Its not OK for things to work on the system that he just hands you money randomly for bills. Why isnt his money going in a bank? is he doing under the table work? 