Neal and his wife, Cynthia, both work and have a combined gross income of $90000 per year. They estimate the property taxes on their condo will be $1300 and insurance would be about $1050 per year. Neal takes the bus to work, but Cynthia has a car payment of $225 per month, and they are both still paying off student loans for a combined total of $260 per month. Use this information to answer the questions below.