Rent: 1300 for a 2-bedroom apartment in a 3-floor walk-up.

Utilities: 200 per month including phone, gas, electricity, water.

Transportation: 480 per month (two people, each paying $2 for a bus and then $2 for a train, each way of a commute, five days a week).

Food: 800 per month -- kosher food costs a LOT.

Entertainment: 100 per month.

Home maintenance: 100 per month.

TOTAL: $2880 (US dollars) per month in NORMAL expenses.