<prompt> Human: Mortgage - 675 Property tax - 160 HOA - 325 Internet - 50 Utility - 100 Homeowners insurance - 40 includes earthquake coverage which is about 20moPhone 100 Car payment 345 Car Insurance 250 About the hit the 3 year mark this summer since the accident so it might drop by a lot then Gas 200 Gym 30 Toll 100 Student Loan 100 Food 400 Total 2880 My monthly take home pay is 3200. I feel like I might have to live frugally at this point since I dont have much left. I just got a condo recently. But before that, I was paying 870 with internet and utilities for rent to begin with and its only for one bedroom in the city. So I figure I might as well get one and invest a little. There are two bedrooms in the condo so I can rent out one of the room but since I just got the place, I wanted to try living on my own for a while and enjoy it. But that doesnt seem like a good idea at this point. Although the idea of having another person share and use the new appliances and furnitures that I just bought feels kind of daunting. Plus I wouldnt have the freedom to invite guests as I please. I mean I could since its my place but Im the type who always try to respect other peoples space and privacy. Its a little stressing seeing my bills.. In general, I do try to follow the budgeting guidelines online I know its only a guideline but it still helps. For example, my mortgage payments is 35 of my income so that didnt seem too bad. I know many people that pay 40-50 towards rent. Im just posting it here to see how Im doing compared to the other people and what things could I do to make this better... EDIT: Thanks for the responses. Based on peoples reactions, I think I see now where I can do a little better. I definitely have to get a roommate.Sorry I do have a tendency to overestimate when it comes to budgeting because in the past, I had tend to go over the budget. The 200mo for gas is probably a bit much. I usually get a full tank once a week and thats about 30 in todays gas prices. But who knows how long will that last so I didnt take that into account and just left it at 200 to also include weekend getaways and stuff.My car payment is 345 but 35 of it is for maintenance and 10 for auto butler...Yeah I know that was foolish. The maintenance and auto butler were one of those things I got screwed over but I was a fresh grad at the time and naive. It is pretty good on gas. It goes for about 35mpg on the freeway and 25mpg in the city. I had an SUV before this that was paid for but I figure I should just get a car and save money in the long run. That SUV only goes for 17mpg.  <response>: That HOA fee is killer but not much you can do about that now. I hope the services they offer are worth it. Phone could likely be cheaper.Auto expenses are a lot of money. I would try to get that car paid off quick if you want a larger buffer. Is it fuel efficient or do you just live far from work? 200 is a lot of gas, especially these days. 