Sexysmurf, I didn't know you live in Loveland! You're not too far away from me.

I live in Arvada, CO
1970's Bi-Level home, 1740 sq. ft 2 car garage, 4 bedrooms, 2 bath (not dumpy but not nice either) - our mortgage is $1260/mo including taxes ($1500 a year) and insurance ($850 a year)
Expanded basic cable & Internet $94/mo
Electric/Gas in the winter is $200-250; summer is $120-150 per month
Car Insurance (full coverage for a minivan) $65/mo- Just paid off the car (YEAH)
gas is $2.09/gal
Phone - $26/mo
Water - $35/mo
Trash $14/mo
Milk - we buy ours at Costco for $4.50 for 2 gallons.