Costly Crib in OP!
Scenario 2: Harper
Food - $750 ($25/day x 30)
Gas - $16 (at $1.50/gallon)
Car Insurance - $83 (2010 Honda Civic)
Cell Phone Bill - $50
Entertainment - $75 (I have lots of friends)
Savings - $400 (Almost 10% of income)
Taxes - $700 (I asked mom on this one)
Adding all of the expenses up gives me $2,800/mo. Subtract that from my income and I'm left with $3033.
After all house payments I still have $1,589 a month to myself.