Ain't that the truth!
If I borrowed what the bank said I could, I would have lived on peanut butter (no name brand of course) or Mac-n-cheese (again, no name brand) for a bit ---
Banks do not take into consideration electricity, phone, gas/mileage/maintenance on vehicles, eating, changes to the house (like paint or fixtures), etc ..... when they tell you what you are approved for, they are looking at gross income and potential payment ratios.
Good luck and hope you find what you are looking for!