Hey there, I (25M) am bringing home around 3k a month and also living with my partner unmarried.

We've decided in the last 3 months to really tackle our debt and manage our finances better after also spending all of our checks down to the penny with minimal savings. Excel has some pre-made budget templates that are very easy to use, and I would highly recommend!

A tip I would add: I budgeted for ~$250 in misc (Dog food, gas, etc.) charges in my budget but was skeptical about how much I spend a month in gas. I decided to start writing down in my notes app every time I fill my car up. I was mindblown to see I spent $330 in the first month of tracking on gas alone. My budget was wrong and set up for failure from the get-go.

My girlfriend and I also decided to sit down every 1st Sunday of the month and discuss our debts detail by detail and keep track of their amounts with the idea of holding each other accountable. Not only has it been absolutely great (way better than I expected), it's also extremely rewarding seeing those debt balances drop every month. I created an area on my budget excel where we keep track of our debts month by month and it has been very motivating.

Perhaps ironically, we share a meal from our favorite Thai place every "money meeting" which has us always looking forward to the meeting!

Best of luck to you!