If your job doesn't provide you with full benefits, you may need to shop for your own health insurance! This can be a pricey expense. If your job has full benefits deduct $50 per month. If your job doesn't provide you with these benefits then deduct $300 per month.
Home owners insurance
If you purchased a home, you will need insurance. Deduct $50 for insurance.
Auto insurance
If you decide to purchase a vehicle you will also have to consider auto insurance. Some vehicles are more expensive to insure that others! Deduct $100 per month for your new vehicle and $75 per month for a used vehicle.
Renters Insurance
Renters Insurance is affordable, but very important. If you are renting a property deduct $15 per month.