<prompt> Human: I have been reading up on PF and understand the importance of Emergency Savings but I wasnt sure how much I should put aside every month. Im 27 and Im making 3kper month after tax 400 gas reimbursement.Monthly Expenses:Mortgage 1.9kUtility gaselectric 400Cell PhoneInternet 190Water 250 quauterlyStudent Debt 161Although Im paying for utilities every month, my parents is paying me back the full amount forutilities cellphones at the end of the every month. I included this here for reference.Thanks for any input.  <response>: 23rds of your salary for a mortgage is unaffordable. Thats going to make any real savings plan a problem. 