<prompt> Human: We do have 2 kids, but I know plenty of friends who have kids who seem to get by easier than we do. Ive combed over the budget countless times but cant find a place to cut to build up a good emergency fund.I make 23.175 per hour and she makes 19 per hour. I deduct 212 from my check every week to pay for health insurance and also deduct 55.62 for 401k match. My wife has no deductions taken from her pay. She typically brings home 1,100 biweekly and I bring home 525 weekly. This varies slightly for both of us based on OT or leaving an hour early here or there.This means we bring home about 55,900 per year or 4,658 per month.Giving 10 - 730Mortgage - 701.11GasElec - 175Water - 70Internet - 45TV - 20Garbage - 18.08Cellphone - 70.40Car Ins - 250Netflix - 11Life Ins - 37Car Loan - 200GrocerToiletries - 450Gas - 150Dogs - 100Daycare - 1,148Total - 4,295.59Remainder - 362.41That 362.41 is always gobbled up by trips to the doctor or other mini emergencies or things we forgot to budget. Is anything here out of line? Shouldnt I be able to save more than 362.41 per month with a 90,000 income?If I were to guess, Id say my insurance costs and daycare costs are gobbling it all up, but there is nothing I can do about that, right? I know many people dont give 10, but we wont cut there because we feel blessed and want to give back. Just looking for either confirmation or help on where to trim.EDITAs of 7:30pm est I read every single post you all made. I need to clarify a few things.I am not Mormon or LDS. I am protestant. Regardless, that doesnt matter in a finance thread.Most people recommend I dont donate anything and say churches are a scam. Without going on a soapbox and taking the focus off finance, I will just say the church I donate to has no salaried employees. All tithes go toward building expenses, then directly to the community. We feed the homeless and have recovery programs for people with drug addictions and we help clothe prostitutes professionally and help find them work. There are a lot of churches that are greedy, but mine is not one of them.A lot of posters recommended I tithe off net and not gross. I called my pastor about it and he made it seem like I was giving too much. Said 110 of firstfruit was Old Testament. He said the law no longer applies with the New Testament and it is used more as a guideline. Said I should give what I can afford to give. That means give after Ive met my needs while living and spending responsibly.I think I will look into backing off giving some, maybe to 300 per month until I can get this car paid off and build up a larger emergency fund.Assistant: If we ignore your giving the big expenses are day care and paying your car loan.Do you have other debts?Human: No other debts. We didnt even want the car loan but had to have a second vehicle that could carry 2 car seats. The balance is 5,500.  <response>: STOP GIVING AWAY 10 OF YOUR GROSS PAY!!! 