First Time Drivers. Under Arizona MVD guidelines, you must be at least 15 years and 6 months old to apply for a learners instruction permit. All applicants are required pass a written exam and vision test in order to obtain the permit.
For example, if you make $60,000 a year and have no debts, you can afford to spend about $1,500 a month on principal, interest, taxes and insurance without breaking the 30% rule. To keep housing costs down to 25% of your income, as Weston recommends, you'll have to spend $1,250 or less.Nearly 37% of homeowners with a mortgage -- 19 million people -- now spend more than 30% of their income on housing.or example, if you make $60,000 a year but you spend $300 a month on car payments, $125 on credit card bills and $200 on student loans, the 36% rule would limit your monthly housing costs to $1,175. It's easy to put these rules to work.
A man on a low-cost plan spends $281.82 per month, while men on moderate and liberal plans spend about $352 and $429 per month, respectively. Across all buying plans, the average male spent about $319.37 per month on groceries in 2014, according to Lower Your Spending. Using the same grocery buying plans as above, women spent $198.72 per month on a thrifty plan, $248.58 on a low-cost plan, $308.16 on a moderate plan and $383.10 on a liberal buying plan. Averaging all plans, women ages 19 to 70 spent around $284.64 per month on groceries in 2014.