u/SirWallaceIIofReddit

I've never done a serious budget before because of financial anxiety, but I've really had to buckle down this year as my post grad-school job does not pay what I was hoping I would. My partner and I are DINK with fairly good jobs but it still feels like we have nothing leftover once the basics are taken care of. Need advice on if there is something obvious on here I'm missing that we need to cut back on or any other things I can do. I also have about $800 of credit card debt I'm working through paying off that isn't accounted for here, I've just been scraping anything left over at the end of a pay period and sending it to the credit card. 28 years old living in Utah. Income is after taxes, benefits, and retirement savings. My partners and I's contributions to the joint account are proportionally based on our income less personal debts/bills.

Section	Category	Item	Amount	Running Total
My Personal	Income	Paycheck	$3,450.64	$3,450.64
My Personal	Debts/bills	Car Payment	($400.00)	$3,050.64
My Personal	Debts/bills	Student Loan	($269.21)	$2,781.43
My Personal	Debts/bills	Medical	($100.00)	$2,681.43
My Personal	Debts/bills	Car Insurance	($108.00)	$2,573.43
My Personal	Debts/bills	Phone hardware	($50.00)	$2,523.43
My Personal	Joint Contribution	Joint Contribution	($1,680.14)	$843.29
My Personal	Savings	Savings	($345.06)	$498.22
My Personal	Regular Expenses	Dog Daycare	($100.00)	$398.22
My Personal	Regular Expenses	Dog Food/treats	($75.00)	$323.22
My Personal	Regular Expenses	Gas	($100.00)	$223.22
My Personal	Regular Expenses	Buffer	($50.00)	$173.22
My Personal	Regular Expenses	Medication	($50.00)	$123.22
Partner Personal	Income	Paycheck	$2,849.08	$2,849.08
Partner Personal	Debts/bills	Car	($500.00)	$2,349.08
Partner Personal	Debts/bills	Student Loan	($200.00)	$2,149.08
Partner Personal	Debts/bills	Car Insurance	($300.00)	$1,849.08
Partner Personal	Debts/bills	Medical	($50.00)	$1,799.08
Partner Personal	Joint Contribution	—	($1,197.86)	$643.46
Partner Personal	Savings	Savings	($284.91)	$358.56
Partner Personal	Subscriptions	Cinemark	($12.00)	$346.56
Partner Personal	Subscriptions	PSN	($50.00)	$296.56
Partner Personal	Subscriptions	Apple Music	($6.00)	$290.56
Joint	Income	From Both	$2,878.00	$2,878.00
Joint	—	Chat GPT	($21.49)	$2,856.51
Joint	—	Groceries	($600.00)	$2,256.51
Joint	—	Walmart	($6.19)	$2,250.32
Joint	—	Rent	($1,750.00)	$500.32
Joint	—	Internet	($82.00)	$418.32
Joint	—	Storage Unit	($95.00)	$323.32
Joint	—	Netflix	($25.00)	$298.32
Joint	—	Hulu	($18.00)	$280.32
Joint	—	Prime Video	($8.00)	$272.32
Joint	—	Prime	($18.00)	$254.32
Joint	—	Crunchy Roll	($20.00)	$234.32
Joint	—	Power	($130.00)	$104.32
Joint	—	Phone	($54.00)	$50.32
Joint	—	Buffer	($50.00)	$0.32