My husband and I are tired of living paycheck to paycheck and decided to move in with family for a few months to pay off debt. We make approximately $4324/month after taxes and our current debts total $2300/month which does not include gas, groceries, etc. The problem is, once we sit down and right down what we will have coming in and paid out for the month, we don't really know where to go from there. How do we decided how much to budget for gas, groceries, etc and then figure out how to take everything else and snowball it. Even if we spent $1000/month on those things, that should still leave us with $1300 to throw at debt but for whatever reason, we never have anywhere close to that and actually have to use our savings (only about $500 left there). I did realize that most of our bills are due at the same time of the month which means 2 checks that are barely used and 2 others that leave us almost in the negative after bills... any advice would be greatly appreciated. Thank you.