To give you an idea of our monthly expenses and how we do it:House payment - 800Car Ins - 150Disablity/life - 55Cable - 57phone - 33water - 60garbage coll - 17electric - 100real est taxes - 200Home owners fee- 15Car payment - 305 (never have more than 1 at a time)Total of ~ 1800We budget all other expenses, which include gas, food, sports, and any other entertainment to $1300 per month.