I pay Car-Insurance about $ 800.00 per year for a Suzuki so assume your $ 200.00 per month will be for 2 cars. If you do use Lime for Internet, even with limited amount of local calls from the land line I would calculate about $ 140.00 per month minimum (I think it is about $ 40.00 per month already for the line and about $ 100.00 for Internet). We do live well but my grocery-bill is for 2 1/4 persons (my daughter eats only little at home) and with buying bulk like Wholesale Filet Tenderloin and buying Chickenbreast by the case it will be more like $ 900.00 - $ 1200.00 per month, I don't think I get through a week for less then $ 300.00. But on the other hand we do have a dog and a cat <img src="http://www.traveltalkonline.com/forums/images/graemlins/Grin.gif" alt="" /> Gas I usually use 1 tank 3 times per month and I am not going to work in Town but go to Town from West-End more then I should and put a lot of miles between Soper's Hole and Carrot Bay. When it comes to US-mail-box, the monthly fee is a drop in the bucket to what you do pay for your internet-shopping service-charges (my mail-forwarder charges 50 % of the shippers postage and not sure what else they add in for customs-clearance......) - and survey says that my mail-forwarder is the most reasonable priced on the island. Maybe I do too much online-shopping <img src="http://www.traveltalkonline.com/forums/images/graemlins/jester.gif" alt="" /> it does add up. The Government Health-Insurance plan has not been implemented, so I pay about $ 420.00 per month, your husband will be cheaper. If your employer provides Health-Insurance it probably is 50 % of that as your portion.
My Electricity is about $ 150.00 per month but I hardly run any A/C since I have a nice breeze from the ocean and my bedroom is above the cistern - you have no idea how cool that keeps the room. Most of the fans are usually running and my daughter might run her A/C. I calculate that just having the Hot Water Heater and the refrigerator will run you between $ 40.00 and $ 50.00 per month - calculated from Electricity Bills of apartments not occupied because of vacation or change in Tenants. I hope that helps.