Someone needs to check their numbers. A little research suggests that 275$/month health insurance premium is really high. A good emergency coverage should be closer to 50$. 60$ for internet? I get mine, high-speed, for half that. 75$ phone bill? That's the average for -smart phones-, basic services should only cost 10$.

And I managed to finish with 1157$ anyways. Clearly low-income people need to learn to be frugal. :)