Income 4400.00

Rent $1600.00
Electric 400.00
Water 170.00
Car Ins. 177.00
Cell phone 230.00 (3 phones)
student loan 267.00
Judgement 200.00 ( this has to be paid monthly or they will garnish my wages)
Cable/internet/ Landline $260.00
Groceries 600.00
Loan 500.00
Savings 50.00

Wow, after breaking it all out, its barely enough. With students loans (75K) and other Old debt adds up to about 100,000.00 I use no credit cards.