Not everyone's income is the same. Stop pretending it is! Acknowledge the truth, and create a budget within YOUR INCOME. Too many people finance blindly by not creating a budget and go over their budget. Just b/c a budget hasn't been created doesn't mean that you don't have one, so, you might as well make the budget work for you. You'll be a lot less stressed and live happier if you come to terms with your situation. There are some useful sites that will calculate your expenses for you. All you have to do is fill in the blanks. This is your first step towards saving money. Check out some of these sites:
www.mapping-your-future.org/features/budgetcalc.htm
www.cccsatl.org/index.asp?pg=tools_debtratio
cgi.money.cnn.com/tools/budget101/budget_101.jsp
www.accessgroup.org/calculators/in_schlbud.htm
*All of these sites calculate your expenses, so, you don't have to go to all of them.
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