I have been really bad the past couple of months. My baby EF is gone. I have only $50 in there. I should have $1,000. All my credit cards have a high balances. The first thing to change is my food budget. There is my husband and me and we spend way to much to eat. I love going out to eat alot. On the nights I have to work I usually pick up carry out, which still cost a lot. I plan on crockpot meals on those nights. My first card I plan on paying off is about $150. I should have that paid off in three weeks. Hope I can do it.