I've never been on a public transit so I wouldn't be able to answer this question.

 1.  Family

2.  Girlfriend

3.  My job that brings income

4.  A roof over my head

5.  Heat for the wintertime

6.  Not too sure about the rest.  I cant think of anything right now.

 I just take how much I spend and multiply that by 20 percent and i round up to the nearest dollar of that sum.