@americaisover im not gonna say what i really think of ur comment but open up any jewish news paper and they are advertising it for $1 a day or how yeshiva/shuls take life insurance policies out for rabbanim…
but to answer chaimss its hard to give an exact number…as a newly myself of just about 10 month our expenses are quite high.
utilities are about $400 (jcp&l is ROBBING us)food is about $400+ if we have guests for shabbos, if u go out to eat a lot, etc.
about $100 on household items such as toothpaste, mouthwash, toilet paper, paper goods, laundry detergent etc.
we have whole life and term about $350 for both, my husbands health insurance $200 a month, + $$ any co pays and anything not covered by insurance or dental thats not covered by insurance can be quite pricey.
car insurance $275 gas who knows but about $200 for my car plus about $50 tolls and idk how much for my husbands…i would put $100-200 for clothing depends if u frequent the mall ull probably end up spending (we both have way too much clothing and shoes for that matter)…which reminds me dry cleaning at least $100 a month
our expenses include other stuff too but i think these are the basics for most newly weds.