Mortgage $700 Internet/Landline $115 Cell Phone $225 Electric $300
= $1370
Ok - first of all, go read the MrMoneyMustache blog. Seriously, you need the kind of help you can find there.
Second - make yourself an Excel spreadsheet (if you know how to work those) and record all your expenses. If you feel you need more help, go to YNAB (You Need A Budget) and buy their software.
Third: Looking at your current expenses: Internet/landline $115 - cut the landline and cable, just go for basic internet, should be about $50. Get a cheap VOIP phone of some sort to replace the landline if you need it for your daughter. A Roku box and Netflix can suffice for TV for now.
Cell phone $225 - wtf? I have four people on my T-mobile plan, 3 data plans (one unlimited)and payments for two smartphones (one iPhone, one cheap Alcatel that works just fine thank you) and I still pay less than that. You gotta figure out something cheaper. (Btw, on MrMoneyMustache forums there are whole threads devoted to even cheaper cell phone options)
Gas $240 - again, wtf? You work from home! Even with a gas guzzler, you should be able to combine trips and cut this in half. I drive half an hour to and from work every day, and all over town on the weekends, in my Toyota Matrix and only spend $160 (and gas is REALLY REALLY expensive in San Diego!).
Electric $300 - do you have LED lights? Clean the coils on your fridge? See what you can do to bring this down.
I see at least $300 in savings right here, if you make the changes mentioned above.
