Micky Mouse , I personally feel that it depends on thyself on how much you wanna spend on stuffs. Its totally on your lifestyle. But if you feel like you are spending more you can definetly cut costs so that you can have some savings. For Example: I pay 60 $ for my phone,Internet and Cable. Do some research and get the service you want with less price instead of paying big bucks. I feel savings is someway related to earnings..