I’m tired of being broke.

Edits at the bottom for FAQs Hello all! Sorry if this post is super long My husband (24M) and I (21 F), need some financial help. I don’t know if my budget is the problem or how to fix my current spending habits. I just know I am EXHAUSTED of working 24/7 and being broke all the time. Any help is appreciated! Heres what my payments look like a month with some notes:

A. I live in Tennessee so I pay no income taxes but sales tax on EVERYTHING is 10%

B. February was a little off with income because my husband and I were both sick for 4 days.

C. I work 2 jobs, 1 making $17.55/hr (25-35 hrs a week) and 2 making $13/hr (24-32 hrs a week) as well as my husband makes $14/hr (35-40 hrs a week) at job 3

D. I am currently in debt $5300.88 student loans, $4045 to a debt collection from school, $872 in credit cards, and finally $2500 in affirm. I am actively paying the most to get the debt collection paid off paying 200 a month.

E. The extra money is from my tax return. I’m trying to save it for a move coming up into a cheaper apartment.

Breakdown:

Income Planned Actual

1 $1,600 $1,409

2 $1,000 $1,159

3 $1,700 $1,691

Other $0 $1,050

Expenses
Planned Actual

Rent        $1,200  $1,215

Regions     $5   $5

Capital     $75 $75

Affirm      $260     $260

Old Navy        $30 $30

Utilities       $160     $179   

Wifi        $120     $115

Academy     $30 $122

Tractor Supply      $30 $30

Genesis     $200    $200

Student     $60 $60

Spotify     $20 $19

Car     $390    $390

Car Insurance       $190    $190

Phone       $125    $123

Groceries       $400 $389

Pet     $20 $48

Gas     $100    $60

Uber        $200    $81

Vape        $50 $25

Expected        $50 $25

Unexpected      $25 $460

Date Night      $50 $100

Fast Food       $100    $259    

Edit: all the store names (tractor supply, old navy, etc is for credit cards. Sorry I forgot to disclose)

Also genesis is my debt collection I’ve been throwing as much money as possible in.

Vaping is my husband I don’t think he would be willing to stop unfortunately.

Uber is only transportation for work as I do not drive. I try my best to get a ride from my husband but some days our schedules don’t align enough for that to be possible

Unexpected is all the costs that are well unexpected. For example it’s any splurge spending but it also covers emergency doctor visits.

My husband doesn’t cook but he does clean and take care of the house as well as any labor I need and drives me around everywhere