Sorry yall, I forget to check back in on this..
I'll reply to you because you gave me some harsh advice but you're right- we have horrible saving habits. It's both of our faults, really.
I try to be happy and grateful that I can pay my bills and keep a roof over our head, but we are just so horrible at saving money that when **** happens we stress and have to move money around and push stuff back. Right now we're doing okay, not struggling to pay things, but our lack of a savings makes everything have to come out of our paycheck when stuff happens. We make a good amount of money over our bill total but we just do a horrible job at setting any aside in case things like that happen.
We share / combine our money, and before anyone yells at me about this we had no choice when we got together. Our relationship financially has been a struggle from the start.. we were sleeping in her 2000 Mercedes with over 200k miles that she got as a gift from her grandparents before her parents kicked her out.. making $116 a week on a part time job, sleeping at a friends house when we could. My mom kicked us out. We had no choice but to share our money and neither of us see a reason to split, we just communicate about spending and our abilities to spend on frivolous things. We went through FoodStamps together. She got me on her card and i got her on my card when needed. We were all each other had, as corny as that sounds. Both kicked out of our parents house for nothing at all.. both struggling to eat and get a life of our own.
Like I said, if it was just bills and frivolous things, we could balance fine. But it's the lack of a savings and the random occurrences in life that hit us that screw us over.