2019     2018     2017     2016

Household
    Rent                      16,100   15,900   15,700   16,200
    Appliances/Electronics     2,730    2,460    1,530    1,900
    Cleaning, Repairs etc        560    1,460      730    1,290
    Furniture                     50      650      990    2,150
    Bills                        500      530      560      710
                              ------   ------   ------   ------
                              19,940   21,000   19,510   22,250
Transportation
    Car rental, gas, parking      50       80      290      100
    Public transportation      2,000    1,600    2,200    1,800
    Taxis                        290      290      310       80
                              ------   ------   ------   ------
                               2,340    1,970    2,800    1,980
Living
    Groceries                  2,970    2,480    2,790    4,080
    Dining out                 4,130    3,040    2,780    1,680
    Clothes                      630      800      480    1,000
    Personal care                350      420      340      480
    Taxes                          0        0      100    1,100
    Insurance                    330      410      300      770
    Phone                        510      520      600      950
    Health                       200      610      300      350
    Bank charges, fees           250      170       10      210
                              ------   ------   ------   ------
                               9,370    8,450    7,700   10,620
Hobbies
    Leisure                    1,790    1,410    1,490    1,240
    Sports                     1,260      670    1,020      800
    Going out                  1,340    1,570    1,130      550
    Computers                  2,140    1,390    1,300    1,250
    Photography                    0        0      800        0
                              ------   ------   ------   ------
                               6,530    5,040    5,740    3,840
Small stuff
    Gifts                        450      630      640      300
    Mail, office                 130       40       40       10
    Misc                         170      350      200      120
                              ------   ------   ------   ------
                                 750    1,020      880      430
                              ======   ======   ======   ======
Total spent                   38,930   37,480   36,630   39,120


Loans
    Mortgage Principal         8,000    7,400    7,400
                              ======   ======   ======
Total net income required     46,930   44,880   44,030


Market rent ($1900/1br)       22,800
                              ======
Net required w/market rent    43,930


"Rent" and cost of housing explained:

Rent                                                     16,200
Mortgage Interest              6,400    6,600    6,800
Property Taxes                 2,100    2,100    2,100
Condo Fees                     7,600    7,200    6,800
                              ------   ------   ------   ------
Net housing costs             16,100   15,900   15,700   16,200

Mortgage Principal             8,000    7,400    7,400
                              ------   ------   ------   ------
Total housing costs           24,100   23,300   23,100   16,200