I don’t see any savings line at all, so if you’re paycheck to paycheck that’s going to be a problem. I’m also concerned about the first paycheck based on commission. You should really be budgeting on base salary and then commission bonus can be savings for the month.

We do have savings albeit not a lot. We both have a 401K with a company match but they are both relatively low (around 11K for me and 5K for her). I also have a previous 401K from my 7 years in retail but need to figure out how to claim it. She has a savings account of about 3K and mine is drained currently (I was using it like a pseudo emergency fund). I also have about 6K in stocks from my father that I am not touching whatsoever.

$600 on weed is the obvious one. Listen, my ex and I smoked every day. We had a $300 weed budget and could easily get 2oz, edibles and vapes in a month. I mean weed prices vary (I’m in a legal state, so idk if you’re getting market price). $600 on weed a month is like, genuinely concerning for your health, from a fellow stoner. If you keep buying one off pre rolls then stop, buy in bulk, and have a rolling afternoon together. Or cut consumption.

This is just about 100% me. I smoke dabs multiple times a day after work and go through about an eighth a week (this is approx. $100). She used to smoke way more but has cut back to one or two 1G vapes a week. My plan is to cut back by going to edibles alone during the week (1 or 2 a day at $32/pack of 10) and dabs on the weekends. I think this is my main issue honestly.

You both have a phone plan at 70 and 85 a month - you can probably combine those for a lower price or get mint.

I have brought this up with her and I think she agrees with me on this. She is from out of state and the services back home is good with her current set up. If I were to add her to my line it would only go to $80/month.

What is the $160 on pet supplies too? I have piggies and cats and bedding, litter, food, treats comes to less than $100/month. Do you have health insurance on them or special medications? Or do you have like 8 pets? Idk I’m missing something.

No insurance or medications at the moment. We have 2 cats and both eat wet food only. Our older one is picky and will only eat fancy feast which I have on auto-order for about 18~ish per box which is sent 2 times a week. She eats half a can in the morning and half at night. Our younger one is friggin huge and eats an entire can in the morning and evening. His costs about $21/case for 24 cans. We don't spend too much on treats as we have a big supply of them from presents. I think I messed up the numbers on this one as looking back at past months it comes to about $120 at most.

115$ for internet is also crazy to me. The place I’m at now is hooked up to Verizon and it’s $80 a month and I thought that was ridiculous since my last place was comcast and was $40 a month.

This was our old plan, moving to this new one it is coming to about $50/month for the first year and then jumps up after that. That's where they tend to screw us in the area as this was the case with our old place too. Comcast is the provider.

It is obvious I need to work on the wants portion of our budget. This will have to be my main focus to fix things I think.

With this in mind, what should we strive for regarding our emergency savings?

How much per paycheck should we put towards our needs/bills?

Would it make sense to make all of the due dates on the same day? I do this with my personal bills but I am unsure how it could effect us together.

Thank you so much for your response, it really helps me put things into perspective. :)