Costs per annum in AUD:

one bedroom quality apartment without parking central near city
mortgage* $18000 PA or rental $525pw
rates, insurance, water.. $3238
maintenance $400
improvements $500
electricity $450
telephone, mobile $60
internet $240
private health $800
day to day expenses $2500
eating out/entertainment $6240
clothing $1000
medical expenses $600
grocery shopping $8000
public transport $500
dog $800
gifts $600
chiro $700
home $500
massage $650
car insurance, etc $1120
car maintenance $380
petrol $600
holidays/travel $4500
secure parking $2400

total $53 000pa approx