In this video a couple gets a little help from a financial advisor. The first step is to take away the credit cards. They talk about 2 costs to every budget. Fixed costs and variable costs. Fixed costs are mortgage payments and car payments. Variable costs are for things like food, which can be controlled quickly. With variable spending you cut out everything you don’t actually need. The big tip here is to start writing things down and looking at what your spending money on before you spend it.