About 40-45% for mortgage, home equity loan, credit cards with renovation supplies, etc. But that's partly high because we just renovated, so we haven't got all the costs of that squared away yet. We have no car and don't even do the subway/taxi/bus all that often. Most stuff is walkable for us. That won't change. But right now we also aren't doing charitable giving or deposits into college and retirement accounts. Once we've settled into this financially, refinanced the home equity, etc, I want to be at 35% and doing our monthly deposits again.