Doing books at the beginning of each month is horrifying, but I find there is an eerie calm in knowing exactly how little cash you have on hand and how much debt you're in
assuming you haven't already done this. i just put mine in a spreadsheet. i include figures for "investing" and "saving" then just put an amount i know i can afford every month. just make the budget and stick to it. if you find you can't stick to the budget then maybe examine your spending habits and see if there's anything you can do without buying.
Start with your income and subtract all the money you have to spend: housing, transportation, insurance, medication, groceries, phone, etc
The amount left is what you really have to work with.
Itβs not reasonable to think all that goes to paying off your debt (but it could!) because you still get to live at least a little. But think about canceling subscriptions, changing your phone plan, etc.
