Mortgage: $1291
Student Loans: $679
Phone, cell, cable, internet, electric, propane: $529
Car: $534
Auto, life, disability insurance: $198
Groceries: $400
Gas: $240
Day care: $866
Mortgage seems reasonable. A cheaper house might be available but I don't know your situation enough. A crack house in Vancouver is half a million dollars while a huge mansion in Detroit is cheaper than a car. Where do you live?
School in the US must be brutally expensive. I think my tuition for my entire year last year was only about $4500. Anyone working part time at Wendys could afford it
Phone and stuff seems a bit expensive. Winter months are horrendously expensive here, but summer is fairly cheap because the gas and electricity might only be about $200 combined. My phone is $43 per month, double it for a wife, internet is $40, so like $350 total would seem reasonable. Again, this changes with location, so your costs might be totally ok for that region. Avoid things like F@H on your computers, undervolt computers when possible, set computers to extremely aggressive energy settings such as going to sleep after 5 minutes of inactivity, turn off the lights when you leave the room, etc. Another thing that has a large effect is to cover your pots when cooking things. Also, boiling water always has the same temperature, so boil water at the lowest temperature setting; don't just set the stove to max and boil the shit out of everything.
Why is your car so expensive? It sounds like you bought a fully loaded Honda Accord with the V6 and nav package or something like that. Nice used cars can be had for $2000.
edit: I should add that my parents drove the same car for 20 years. They purchased a second car from my uncle for about $2000, which is actually above the blue book value but they know the history of the car and how well it was maintained.
Your groceries are expensive. In my family of 4, groceries were always about $400 per month (10 years ago) and that's in Canada. Here, things like milk and cheese are literally twice as expensive as they are in the US, and our money is worth less as well. I see US commercials for shit like a loaf of bread being 25 cents while here it's inflated up the ass and might cost a dollar. Buy cheaper food. Try different no name brands. Sometimes the store brand is really good and sometimes it's shit. No name coke, ketchup, and chocolate ice cream are really good where I shop.
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