<prompt> Human: Im thinking of starting a business and Ive never owned a home or rented an apartment before, or even had a car. So I dont know the expenses off my head so I can figure out how much I need to make a monthHow much does one generally spend on the following things? On a monthly basis?GasCar InsuranceHealth InsuranceUtilities water and electricInternetCable LuxuriesCar payments GroceriesIf you have petsIm considering getting a dog when I rent an apartmentHow much do you pay for the pet on a monthly basis, including food, grooming and vet?  <response>: It completely varies by person and location 