My dh and I are not the best at saving we pay our bills on time but lately that has not been the case. My bills are not 30 plus days late and we don't have credit cards. We have a small car loan and a mortgage and our basic utilities. Our younger daughter is disabled and while ideally we would love to have savings for her we spend a good bit on necessities for her as well. Paying our bills and all of our expenses hasn't been a problem until now. My dh works offshore and he provides the only income recently they changed the scheduling for their crew changes. While before he worked two weeks and was home for two weeks (only being paid during the two weeks he was home) now he goes to work for three and is home for three. His paychecks come while he is home but there is a four week gap every hitch from his last check to his first. We have had a hard time adjusting so that everything is paid out equally. It is even harder to do when every six months he only gets one paycheck during the month. Pay periods are never the same either they shift from the beginning to the end of the month consistently. To add the fact that we have had a hard time adjusting to this we will be getting temporary custody of my ex SIL's two boys and possibly even her daughter. This also puts us in need of a bigger vehicle so now we need to budget for that as well. I would really like to get a good book for my dh and I to read and use for guidance but not sure of the best one for our situation. I know there are a lot out there so I want to make sure I look into the right ones for us and I know a lot of disers have used different books or plans. Really at this point I am open to any options and ideas.