I live somewhere else, so I spent closer to 6k on housing (a mortgage, in my case). Next year that will be zero, as it will have been paid off in full after abo

I live somewhere else, so I spent closer to 6k on housing (a mortgage, in my case). Next year that will be zero, as it will have been paid off in full after about 3 years. You spend more on uber & lyft than you do on fuel, which is an interesting data point. What is stash? Savings? How about DCU? Is comcast cable? Or just internet? If it's cable that's an easy thing to cut out. I don't see much that is outrageous in this budget. A lot of it is obscured by names of businesses, like walmart. I think I spend less across the board, except fuel. Counting planes, cabs, fuel, car, insurance, rentals, and possibly a car payment (DCU?), you spent a LOT on transportation. My expenses in that category this year were registration, insurance at about $400, fuel, and a few oil changes I did myself. I bought my car (1996 Jeep) outright several years ago. The entire 2nd column is totally fine, I'd ignore that altogether. If you want an easier-to-parse budget, I would do this: Categorize everything, like this: * Housing * Car Ownership * Other transportation * Groceries * Eating Out (subway etc) * Entertainment (zoo, movies, etc) * Essential Utilities (electric, internet imo) * Non-essential Utilities (cable tv imo) * Medical Then look at those numbers. I think you'll find your car ownership column is too high, and the rest is probably within your limits. To make it less expensive, own an older vehicle without payments or don't own one at all if your city can support that. You will almost certainly be able to save money in eating out and groceries, and non-essential utilities. I do not recommend saving money in recreational, you aren't overspending in that category imo.