You might notice I didn't have alot of the expenses you have - ie health insurance - because we don't have it (personal choice). I also didn't include things like presents - because that varies depending on the money situation at the time and the item we are buying. Also our personal spending money isn't itemised because we decide that on a week to week basis. When we were struggling financially we did budget all these things, now we don't - we just ensure we have put at least $1000 in savings each fortnight (ie, extra repayments onto our mortgage - ontop of the $1000 repayment).