Erikka estimates that her take-home pay for the coming year will be $1,000 per month. She expects total monthly expenses as follows: housing and utilities, $500; food, $200; auto, gas, and insurance, $220; and credit card payment, $60. The balance on her credit card is $3,000, and she currently pays 18 percent interest on this balance. Erikka would like to reduce her credit card debt. What is Ericas Net monthly cash flow?