<prompt> Human: Im purchasing a new home, and I am looking for ways to clean up my monthly budget. I know there are some clear ways to cut back housecleaning, lawn care, but I am wanting feedback on other areas as well. What looks high to you? nbsp; My wife and I are in our early 30s, and we have two small children 3 2. Yes, the preschool cost is high, but thats just what is costs for a decent preschool in my area. That cost will drop over the next few years as they start school. nbsp; We live in Houston, Texas. nbsp; Side Note: The giving may seem high to some of you, but its just a principle we follow. 10 of our gross income goes to the church we attend. Im not adjusting that number. nbsp; Income10574 nbsp; Mortgage-248223 This is for the new homeGiving - 1398 13 nbsp; Groceries - 8008 Restaurants - 300 3 Preschool - 1772 17 nbsp; Utilities - 195 2 Home Security - 51 0 nbsp; Auto Insurance - 2012 Tolls - 1602 Car Payment - 430 4 nbsp; Internet Cable - 100 1 Cell Phone - 200 2 nbsp; Life Insurance - 113 1 nbsp; Housecleaning - 160 2 Lawn Care - 1001 nbsp; Monthly Subscriptions - 80 1 Haircuts - 116 1 nbsp; Dog - 30 0 nbsp; Kids Clothing - 150 1 Diapers - 100 1 nbsp; My Fun Money - 150 1 Wife Fun Money - 1501 nbsp; Misc. - 100 1 Saving - 1100 10  <response>: 4 is extremely extremely meager for retirement savings compared to your overall income COL. Literally unbelievable you are giving 13 to a church and only saving 4 for retirement. I know you say you wont change it, but what percentage of that giving actually helps people vs paying for church utilities, improvements, salaries etc? Kudos to being charitable but you may not be spending your giving money as wisely as you could.Car payment is high but I see you are almost done paying it. Maybe not terrible for 2 cars, but if thats just 1 thats an insane payment.Other than that looks good. 