Here is my take:
Monthly Budget:
Salary: $14,000
Expenses:
Taxes: ~$1,400 (more if you're a US citizen)
Rent: ~$3,500 (3 bedroom condo)
School: ~$4,000
TV/Internet/Home Phone - $56
Cell Phone(avoid Starhub service sucks) ~ 60 / person
Water / Electric -$400?? (mine is 275, for 2 people only)
Double your current grocery bill
Get yourself an
Obi110 and you'll be able to call the US & Can from a standard home phone when connected to your Google Voice number.