<prompt> Human: I just took a job offer that will pay me 30,000year a huge paycut from my previous position which was 51kyear, but made me extremely unhappy. Call it buyers remorse, but Im starting to panic about whether or not I can actually live comfortably on that amount. Im unmarried and have no kids. I dont have a specific budget, but currently I have monthly bills that total 700.99. This is car, student loan, and phone. Im mostly panicking about housing. How much can I spend on housingmonth? I live in the Dallas-Ft. Worth area, and would like to have roommates but there arent many people I know living close enough that I wouldnt have a 45-minute commute. Any guidance from those of you living on that muchcan help me out?The other confusing part is that I will be given a 200 stipend for insurance. How does this work? I was part of an HMO plan at my last job.  <response>: first of all, the stipend is to pay for your own health insurance. That means you need to go on the exchange site and find a plan that fits your need. As far as everything else goes, 30kyear is 15hr, after taxes you are probably looking at 480week take home. You already have expenses that equal 1.45 weeks of work. You are going to have to try to find housing around 500month with that salary. Get on craigslist and start looking for something, but be wary of scammers. 30k a year is shit for a professional level job in a city as big as DFW. Temp workers usually make similar or more than that. 