- Morgage payments - $1000 per month in the middle of city

- Untilities - 100 per month bearing in mind we are two people with no children at home.

- Transportattion - Gas - 100/month. I am only 12 km from work and my wife walks.

- Food - groceries - About 500/month. We buy most food fresh as my wife walks through a market every day. Add about $250/month for eating out. With a good meal running about $40-$50 without drinks.