The scary thing is that....your "cost" list actually look reasonable and it does cost $3500+ a month!!
(indeed $250 a month is a very tight budget for grocery).
When you get out of student loan you get extra $500 to spare for a month
Curious too
Why are you mortgaging when you are still on student loan repayment?
or you bought your place few years back when the prices weren't so crazy?