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You have to sit down and add all your bills up over there12 months excluding food petrol and health insurance and when you do you should come around $8000 a year that’s what my bills add up to and I’m a pensioner my monthly deposit for all bills $680 and there will be times when you get no bills...

You have to give up smoking give up drinking alcohol have no animals have one car if possible look around for cheaper insurance and look for specials for your food and create a bill paying account at the bank just for the bills and have the bank take from your account every week to cover your...