<prompt> Translate the following text to EnglishKama tunavyojua, kuna mabadiliko katika bajeti ya kila mwezi, lakini kwa sasa hatuwezi kuokoa pesa kwa sababu tuna deni la miezi 13 ya kulipia.  <response>: so you know we have trade-offs so were more we have a monthly budget with this this this but we have no savings which isnt real wise but we just we dont have the income at this time really to have any because we have three debts that were trying to pay off from both of our student loans were still paying trying to pay those off and we have one car payment that we dont i think we have about thirteen months left on it 