<prompt> Human: Hello, PFmy wife and I are horrible with money could you all please point us in the right direction? BackgroundMe - 21 Works on cranes makes decent money with a very steady job, came from a great family who had money, but had the same issues my wife and I are going through.Wife - 19 Works in childcare, makes a little better than minimum wage, came from a rough family and never had much.The issuesWe lost our first apartment due to a bedbug infestation, we threw out everything at the time we were struggling but, making ends meet. When we left, we stayed with family until we were able to get back on our feet. We decided to rent a trailer, once moved in we racked up some credit card debt to get furniture tv ect. The trailer became a hard place to live at due to issues with the landlord Water Quality and Broken door that went unfixed for nine months During this period we racked up some more credit card debt and I decided I wanted a different vehicle and entered a BAD loan. This brings us to now, we are renting a house and cannot seem to knock out any debt and are having troubles making payments vs food in our bellys.FiancesIncome Me - 18hr w regular overtime hours on average 45 to 60 hours a week, when busy has been known to hit 100 hours a week. Bring home roughly 950 biweekly Wife- 9.50hr at 40 hours a week 550 BiweeklyTotal Income Low 3000Bills Rent 750 Electric 100 - 120 Water Free Trash 75 once every 3 months Cell phones 70 CableInternet 112 Car Loan 350 Insurance 125Total Monthly Bills 1557Debts Credit Card 1 2666.03 Limit 2550 Past Due one month 25.15 APR Credit Card 2 1013.04 Limit 1000 Past Due one Month 8.5 APR Through my bank Car Loan 15231.25 Original Loan balance 15365.79 Start Date 3.06.2015 9.9 RateCollectionsWife Score mid 500s ATT Balance 209 Opened Mar 28,2016Me score 500 Sprint Balance 550 Opened Feb 11, 2016 This is much older but someone bought the debt i think Emergency Medical 7 Opened Sep 30,2015 Emergency Medical 132 Opened Sep 30,2015We roughly need One tank of fuel a week - 50Food is a problem, I work in various shifts, 247365 call, and never know when I will be able to eat so I eat out EVERY day. She could pack lunch.We both use tobacco swell.We also have no savings I pay bills as they are due or late, we live paycheck to paycheck PF what can I do, I would LOVE to take control of my PF and tame the stress. I do not know where to start, point me in the right direction please! I wouldnt be asking if I didnt want to go in the right direction, Thank you!tldr: Money Suckie, Helpie Helpie UsAssistant: You have income of 3000 vs recurring bills of 1500. That leaves over 1,400month left over. Where is the rest of the going? Tobacco? Food? Youll never get this paid off unless you are able to track your day-to-day spending.You could definitely cut back on telecommunications expenses, as well as eating out expenses. I really dont follow the Im on call, so I have to eat out bit, sorry. You have an idea of what your recurring expenses are, but have no idea where nearly half of your income is going.In terms of repaying these loans, obviously the credit card at 25 APR is repaid first and the bare minimums paid on the rest. This is a very manageable debt load at your income well, maybe except your car loan...Id consider refinancing that once you have paid off some debt and your credit scores have recovered.Human: Thats the problem! We cant seem to figure out where it is all going.Cell phones are 35 each a month I cannot do my job without one - Boost Mobile Cheaper is who im using for serviceI guess the problem is figuring out where what and why moneys going to things - THAT is my problem, But Ive yet to find a solution to that problem and I am VERY open to ideas.I agree on the debts and is the goal but at the moment having issues coming up with left over money at the end of the weeks to cut it down.  <response>: If you seriously dont know where the money is going, you can use mint to track categorize your purchases. If you make a budget in mint, it will also credit each purchase to the budget categories. And its all automatic so its great.If you dont want to use mint for some reason, I believe Dave Ramsays tool everydollar does the same thing. But I dont use it, so Im not certain.Word of advice: use cash as little as possible as it is difficult to budget and track cash transactions. 