housing loan - 2000
car loan - 900
insurance - 1000
utilities - 200
kids - 1000
internet - 180
phone - 130
groceries - 500 to 800
petrol - 400
give parents - 200
f&b - 500
others - 300 - 500

roughly around 7-8k, 33yo with 3kids, wife income alone already enough to cover