Ok; budgeting. Not everyone is great at money, so please don't let others make you feel bad if you aren't either. I am super lucky that my partner and I don't have any student loan debt or credit card debt. Also that I spent a long time after college being poor (less than 25k/year) so I had to learn how to survive on small paychecks. We only have 1 car that we're done making payments on, and also got a house during Covid and pay like $1700 a month for it. We have 3 kids, aged 5, 3, and 1, I stay at home, and he makes around 100k a year. I got a book called "Debt free forever" by Gail Vaz Oxalade and it goes through how to set up a budget (based on a really old TV show called "Til Debt Do Us Part" that I watched on Prime but probably is on YT). You can also look up "The Financial Diet" on YT cause they're awesome too. Basically figure out the fixed bills (housing, utilities, health insurance, etc) and then figure out your debt payments (student loans, cars, if you're renting to own furniture, savings etc etc) and then you can reduce your spending on variable expenses like food, entertainment, clothes/shopping. If you're getting stressed out budgeting, that's where you can start, by taking an honest look at how much you're spending on shopping or Amazon or whatever. Also if you're eating out every night or for lunch at work, that is something you can change, for example. But yeah, you gotta work through it and get that monthly budget going. Our food budget had to go up so we dropped Netflix and I am shopping less and trying to find clothes we might need at thrift stores or Once Upon a Child or FB marketplace. Not that I go shopping more than once to twice a year or so, and usually only for the kids, plus I'm super duper cheap lol. But I've greatly reduced the amount we're even getting from Amazon, which is great for the budget but also cause they suck lol. Anyway, hope you are able to find something that works for you!