Pinterest, liking FB pages etc - very very bad! Looking at pinterest makes me want to go shopping. And spend money. Unsubscribe from Pinterest. Unlike FB pages. You can always like them again later but in the meantime, you won't be tempted by the "great deals" and "competitions" that are really just trying to get you to part with your $$. Hide your "friends" that insist on sharing these pages & competitions from your newsfeed.

Also, I agree with Artechim regarding allowing yourself some miscellaneous spending money. Having none budgeted makes it very hard to stick to a budget. DH & I both have a set amount we get at the start of the month for things like clothes, eating out, gambling, golf, gym, extras for the kids (necessities are budgeted). When it's gone, it's gone. It saves fights too. If he decides to blow the lot on race 7 horse 7, well & good. No bother to me. He gets no more money. He similarly can't complain if I decide to buy a new pair of shoes. We each have our own fee free savings account. Our joint account is where all our income goes. We don't have card access to this account, so we can't be tempted. It works for us. I know that if we didn't have this "spending money", I would not be able to stick to a budget as I would see the money there in the joint account and want to spend it & I'm pretty sure we would be divorced by now to as DH likes to play golf & gamble which are rather expensive hobbies that I find rather annoying. He thinks it's great too as he knows how much he can spend without feeling any guilt.

Totally understand about needing two cars. We survived with just one for years but now we live in an area with poor public transport and with two kids, stupid work hours (DH starts at 2am somedays!), it's just no longer feasible to have only one car. I insisted on having two after being stuck at home with two kids unable to go anywhere or do anything because DH needed the car for work or having to wake DD from a nap to go pick DH up. Total PITA. Do you use your car for work? If so, have you been claiming a tax deduction? For every $ you can claim, there'll be some extra in your refund.

All just suggestions so feel free to ignore anything that's not relevant. I think it's great that you are taking on board people's suggestions