<prompt> Human: Im trying to figure out affordability. How much goes to housing, food, car expenses... Im trato set a budget...  <response>: Conservative guidelines:30 net to housing, preferably 25 or less.15 to all vehicle costs, preferably 10 or less including maintenance, gas, registration, and other vehicle costs.No more than 40 net should go to debt service of any kindOf what remains, you should be saving 15-25, and the remaining 30 is food, entertainment, and similar expenses.The above is a guideline, of course. 