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There are differences in how this is calculated as the US the figure includes repairs and furnishings. This is how budgeting works as well! The point is that you must have a good plan on how your money is being spent each day/week/month etc. Most folks have a vague idea of what they pay in rent/mortgage, car payments, etc. but the ones who are truly successful are those who plan this stuff in advance and note variances for future planning