<prompt> Human: Earlier this year I got divorced and saw my household income get reduced from 220,000 down to 40,000. Im a teacher in the rural south eastcheap cost of living, and for the past several years of marriage, I have never had to worry about money because we lived well under our means. Obviously things have changed now, and Im needing a sanity check to make sure I am doing ok financially. Heres the breakdown of my income and expenses:1198 on the 15th and 30th of every month salary110 average for after school care paid twice per month720 mortgageno PMI360 car payment150 Student loan90 average electric 60 Internet60 Cell phone300 groceries and gasA couple things I forgot to include is that I dont have any kids and I have a girlfriend that contributes 250mo towards bills, however I dont include that money in my budget because even though were stable things can always change.I am well aware that my car payment could be lowered if I traded in my truck for something else, but I am not wanting to do that. In addition, my student loan will be paid off soon. I owe 8000, but I have already mailed in the paperwork to receive my 5000 loan forgiveness for teaching 5 years, and as soon as that goes through I will pay off the remaining 3000 in a lump sum. Once its paid off, that 150 will go towards my truck.I have 4000 in my checking, 10000 in savings, and 9000 in my 403b.I am sure there are things I can do better, but at the moment I am just trying to get my ducks in a row and make sure I can do this. Thanks in advance for any help and advice.Assistant: What did your ex do for a living to make 180k? Just curious.Human: She was a Physicians Assistant. Worked in the ER in a rural hospital, and made 90hr working as much as she wanted.  <response>: Ah! Thanks for satisfying my curiosity! 