James has a yearly salary of $31,700$ His employer withholds $4770 in state and federal taxes and $3180 in FICA taxes throughout the year. He has the following monthly costs: transportation is $220$, cell phone bill is $50, student loans require $270 in repayment, and rent is $400. He s using the average monthly costs for each of the following in order to gain an idea of other monthly expenses: utilities are $130, internet is $95, health insurance is $357, and groceries are $310. How much money is left each month for discretionary spending after all necessities are accounted for? Round your answer to the nearest cent, if necessary.