My wife and I are in school still, have a newborn, and only I work part time. Rent is 20%, utilities/cell phone 5%, food is 10%, entertainment is 5%, charitabl

My wife and I are in school still, have a newborn, and only I work part time. Rent is 20%, utilities/cell phone 5%, food is 10%, entertainment is 5%, charitable donations 10%, clothes/shopping is < 5%, tuition and health insurance average to 15%, and we save the last 25% each month.