<prompt> Human: I need your help on how to get my finances together. Here are the details. Income: Make 70k a year gross income Fixed Monthly Expenses: 1 1,350 for mortgage, taxes, insurance, and HOA. 2 130 a month for tv and internet. 3 100 or so for electricity. 4 0 for water, included in HOA. 5 50 for misc netflix, spotify, amazon prime, etc 690 for car insurance. 7300 for credit card payment. Owe about 20k. 0 interest until May, I will likely transfer the balance in May to another 0 interest card. I fell on some hardtimes and had to rack up about 15k of that 20k. Assets: 1 20k in 401k. 2 7k in Fidelity account. 3 8k in savings. Kind of Assets: ... 4 Will be getting about 4k for my tax refund. 5 Will be getting about a 5k bonus from work in a month. 6 Car is paid off. I know I spend too much on food. Today ive spent 22 on food and that wasnt even anything special, just two cheap meals. Id say I spend on average 25-30 a day on food.I also spend too much going out to bars. 100 a weekend pretty easily, so Ill be cutting back there. Any budgeting tipsdiscipline tips are appreciated.  <response>: Fooddining out along with the bars are whats doing most of the damage here for you. Youre probably spending close to or possibly more than 10,000 a year on this stuff alone which is probably around 20 of your take home pay. I would try to shop for better deals, cook more at home, make your own lunches, reduce consumption of takeoutrestaurants, and cut down on the bars. Try having friends over at your place to hang out and have drinks, spend time outdoors, join a recreational sports league or fishing, have a night in playing board games with friends, spend time volunteering, go to a park, visit family, or other cheap or relatively inexpensive activities. By cooking more at home and making your own lunches, youll only spend a few bucks on each meal rather than 10-20 eating out or getting take out. Your pockets and general health will feel better doing so.That credit debt may not seem bad now with no interest and I know times get tough and credit can help but once that interest kicks in, it will destroy you. Its not uncommon for credit cards to charge between 18-25 on interest along with potential feespenalties. Even if you plan on transferring it to another card or loan, you still risk fees or potentially being denied. Definitely try to tackle that credit debt and make it a priority. Credit card debt can get out of hand fast for a lot of people before they know and realize it.The rest of your budget actually looks pretty reasonable and youre fortunate enough that the part you have to cut outreduce is pretty easily doable. For reference, I make just slightly more than you do and besides some medical expenses I have very similar expenses minus the foodbars and am able to saveinvest a little over 20 of my pretax 30 post tax income while living fairly comfortable for the most part. Keep diligent and consistent with your budgeting and saving and youll be in good hands soon! 