850 to food/gas/entertainment/clothes/CPA & CEBS exam fees/wedding gifts
voila: 500 left
Did you just base this on last month's balance? Those last few items don't sound like recurring expenses. I bet if you set up an automatic withdrawal you'd find that your spending adjusts downward and you'll still end up with about the same amount left over at the end of the month. I did that a year ago and my haphazard saving hasn't changed (roughly $750 a month for the last five years, averaging in bonuses) but because I get $600 taken off every paycheck before I see it, my overall saving for this year has jumped by over $15,000.
If you have a definite goal like paying off your debt and saving $18,000 for a down payment in three years, then you can work backwards and determine that you need to save around $1200 per month to get there (excluding interest payments on the loan). If you factor in a 20% down payment, you'd need to save around $1700 per month.
If that seems impossible to you, then you need to re-evaluate whether your goals are reasonable.