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[quote=Anonymous]
18	umbrella policy		
65	insurance - 2 cars
75	home insurance		
667	Fund 529		
10	hoa community		
53	verizon internet

The above is all reasonable
	
100   donation .  (cut by $50)
500	groceries .   reasonable
		
225	classes, therapy (swimming needed as therapy for child etc) .  cut by $25

150	meds, vitamins, protein powders etc. for all	   find cheaper ways; cut by $25

100	household (toilet paper, detergent, dish soap, soap, toothpaste, shampoo/conditioner, cream etc.)	  find cheaper ways, cut by $25 
	
200	medical including labs/co-pays/procedures/therapy/dental - most likely more, spouse has chronic health problems.	  (try to reduce, cut by $25)

300	lawn exterior/interior repairs maintenance		Learn to DIY, cut by $100

800-1000	travel, vacation, clothes, haircuts, dining, entertainment, gifts . Discretionary -- cut by $300

150	gas 		(plan better, combine trips, buy gas on sale, at Costco, with points etc -- cut by $50

20	2 oil changes per car .  (other car repair?)		
80	2 cell phones	
8	safe deposit box		
5	video cloud storage		
2000 Private school
200	electricity - old home	(find ways to cut back on electric bill -- cut by $30)
80	water/sewer  
25	trash		
40	mowing averaged out 
500	real estate property tax	
65	car property tax

By making strategic cuts here and there you could free up another $600[/quote]

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