Let's see. I have 700/mo I put back into a "emergency fund" plus 300/mo I pay on credit card (because I can). There is a 1000 in my budget once I get that card paid off. I could cut my grocery bill in half if I wanted to, so that's another 300/mo.

1300 right there. On my income that is 40% less than yours.

I mean you can keep making excuses, won't get you anywhere though.