Someone make me feel better! this may be long. But I want to explain it all and give every details so thank you in advance to who reads! I’m new to this whole “budgeting” thing. I’m 23, my fiancé is 22. We have a 14 month old and a baby coming April. We have about 25, 000 in debt together (some was his before we met, some was mine before we met, and some we’ve accumulated together). That includes my car and student loans, a couple crappy credit cards, furniture (ugh don’t ask), and some other stupid stuff. This isn’t including our home! I’m a stay at home mom, because daycare is too expensive so we’re solely on one income. My fiancé has been in charge of finances since I stopped working (Nov 2018) and honestly. he’s crappy at it! I never knew because even the thought of seeing our bank account sent me into panic mode. But now here we are, in such a hole, always broke, I’m just terrified we will never see the end of it! Fast forward to literally just last week. He got paid and immediately we had $100 to our name after bills / groceries. We weren’t able to pay ALL the bills and now a few are behind. So I decided to be the one in charge of finances and I want SO badly to be the one to get us out of this. I’ve been watching TBM’s videos and trying to take mental notes of all I can. With that being said, I’ve noticed her method is going to be more beneficial to us since he gets paid twice a month. BUT, he’s commission based (car salesman). So he does make decent money, but his checks are never consistent with each other. Some are way more than others. 1) How do you manage dealing with paychecks that can sometimes fluctuate of about $1000 difference? 2) How would you utilize your income taxes in my situation? **getting back $4700. I was thinking catching up on our bills first thing, then put $1000 aside for emergency fund, then trying to pay off smallest debt first and all we CAN pay off. I am thinking we can pay off 2-3 of our smaller debts completely. Should I stick to that plan or should I pay a portion of each debt I have to help our credit? Mind you, our credits were 700-800 at the beginning of the year. It’s been rough and now we’re both below 600. I just need advice lol help!