Looking at Quicken, on average each month so far this year we're spending...

Groceries: $337
Dining Out: $162
Gasoline: $162
Utilities: $120
Education: $407
Gifts: $53

I'd like to see groceries come down under $300 and dining come in around $120. Gasoline is about as low as it can be; DH bikes to work and I carpool, so there isn't a lot of room there to whittle it down. Utilities are OK - that's gas, electric and water. Education is basically ballet and school tuitions and niether is negotiable, but if I can get to a 75% position at DD's school then we'll start getting a reduction in tuition. I have gifts given budgeted at about $50/month, so we're doing pretty well there.

Interesting to look at.

DH got us a reduction in our DSL for a year, I think, so that's down to about $14/month.

Our mortgage is currently about 35% of DH's take-home pay, but at least it's a 20-year loan and not a 30-year. I think we have less than 17 years left on it. Might be nice to actually make a note of when our last payment is due, assuming we don't send along any extra payments along the way. The percent of income goes down by about 5% if I actually factor in all the extra income from DH's freelance work, his tutoring, my tutoring, etc. Counting my salary next year and no extra income at all, the percent will be about 30% of our take-home. That's the whole idea behind my working - make enough so that DH doesn't have to do any extra work if he doesn't want to, or he can work the hours extra he wants to and we'll be able to get ahead of where we're at now.