My wages only just covers my mortgage (I have my xh to thank for the mortgage - I had my place almost paid off when we got together - he coerced me into refinancing the property quite a few times). Attempting to pay a personal loan (for solicitors fees when he went after my place after we split), rates, body corporate, water, insurance means currently any rent goes onto that so personally I have minimal money left at the end of a pay period. My accountant worked it out that approx 90% of my income goes on bills associated with my home, out of the last 10% I have to pay normal living expenses (gas, electricy, rego, insurance, car costs) and food etc. But all will work out in the end, yes it is tight right now but things will always work out the way they are supposed to work out.