<prompt> Human: My girlfriend and I have never lived independent of our parents, but we are finally taking that leap. We just bought a house and Im moving in today! Ive always been good with money and budgeting. The only problem is I dont know what is reasonable to paysave because Ive always been saving almost all of my income by living at home. Our monthly income after tax and my gfs health insurance is 3500month. Here is a rough breakdown of what I think our bills will look like each month. Mortgageinsurancetaxes: 577CableInternet: 105Watercity utilities: 50Electricity: ???Gas: ???Car 1 payment: 265Car 2 pmt: 220Car insurance for both: 180Gas for both: 250Foodessentials: 600?2 phones: 200Based on this, how much should I allocate to spending and how much should be saved?  <response>: Considering you just moved in today, I would wait a month or two before making definite decisions maybe even 6 months. Not saying dont save anything, but this is your and your GF first time living independently and youd be surprised what expenses just pop up... Essentials can rack up during the first few months of moving into a place, especially if one of you are in the decorative mood. Not to mention depending on your schedules food itself could be 600. Currently Ive calculated your expenses at around 2,600 give or take I added 200 for gaselectricity, its winter where I am So with your current budget you could save at most 900 a month but thats very liberal considering the spontaneous first few months of expenses living independently. Just casually speaking I would aim to save at least 500 a month but this number can go up or down depending on your lifestyles.. I suppose I should of covered lifestyles first, since if you guys are by nature frugal it shouldnt be hard to save, but if you love going out, going on vacations, just doing things well.. expenses for 2 add up real quick. Like I mentioned at the beginning, Id give it a few months so that your variable expenses can be better estimated. EDIT: But I will add that you may want to add a miscmaintenance car expense and a maintenance home expense to your budget. 