Please help. Bf (30) and I (23) are expecting baby any day now. Both have debt (does not exceed 15K for either), are in the processes of buying a home and neither of us know how to budget.

So here's the thing, (probably should have asked for help earlier) when found out we were expecting we immediately decided that we were going to budget for the baby. I have a debt of 12k from dropping out of college that was sold to a collection agency and he has a debt of 8k. I had a small saving of 3k which I ended up blowing on bills and helping him fix his car when the transmission went out. We will eventually have a house payment of about $720. I try to track all that I buy but I lack the discipline to keep it up. I say we are buying a house but I found out he had bad credit so my mother and I applied for the house loan. Don't get me wrong he's going to help pay but still...Now here's the issue. I make a little under 18k a year and he makes about 24k. I try to budget and my mom helps me in planning meals, and paying bills etc so we aren't constantly eating out, getting late fees etc. By help I mean she gives me recipes only. He cannot stop eating out or buying things for his xbox, or buying weed (touchy subject all I know is that he splits it with his "best friend") or just wasting money in general. He buys diapers every once but still... Any tips on how we can meet in the middle and learn how to budget or do something on how to pay our debts in an orderly manner?

Submitted by Babosarang | #Specialdealer Special Offer Online Shopping Store 2016