I was going to say the same as Sushee. We're on a combined income of just under $100 000 & we struggle, Aaron pays something like 40% in tax. Aaron's pay (90% of the total) goes entirely on the mortgage & bills with around $150 per fortnight to spare. Mine pays for (& only just) petrol for my car & groceries. As soon as a birthday / special occasion comes up we have problems & the credit card gets a beating.