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No. of Recommendations: 4
Your budget is not complete as there are many categories missing, and the ones you list are high with some being discretionary.

You spend $1000 on groceries plus another $500 on dining out? What exactly are you eating? I can feed a family of 4 really well [and that includes a teen-aged bottomless pit, er, son] on about $350 per month. That's about one third of your grocery bill. If you could even cut that in half, that would give you $500 right off the bat to put towards other things. Add in that $500 per month for eating out, and you've cut your deficit in half.

I'd also get rid of the YMCA charges, and work on cutting back on utilities which seem very high to me.

What about the missing things on your budget? You have children, but I don't see any kid expenses. What about clothing and school expenses for them? I don't see any gifts listed in the budget, and though I'd recommend reducing or eliminating them, I'm finding it difficult to believe that you're not spending something on that now.

Why is your phone bill so high? Do you have both a landline and a cell phone? I have cell phones for 4 people on a family plan plus a landline for slightly less than you are paying, so I can't see why yours is so high.

I also don't see anything for cable tv or internet, and I'm thinking you probably have those, so again, I think you need to go back and find out all the things you're spending money on because this doesn't look complete.
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