As stated by other posters your expenses seem high.
For groceries the Sunday paper coupon section provides savings of over 150 a week in coupons for 15 to 20 minutes of readiing time.
For your car insurance you may wnat to check out Wawanesa if you and your wife have good driving records. I pay less than 1000 a year for 2 automobiles with comp and collision and 100/300/100 limmitis of liability.
The 600$ student loan payment makes sense if they were private student loans but if they wer the Federal Stafford loasn you made a mistake not consolidating the loasn and making the minimum payment you could coming out of school. That would have reduce your payment on 35K were of debt down to around 150 amonth. You could have easily earned more than 3% that the governemtn charges and withy your incomes you still qualify for the tax deducion.
100 a month on life insurance seems high for a young guy. Look into a term policy for yourself and your wife. Should save you 50$ a month.
I am Catholic so I am unfamilial with a tithe. Sounds like it is charity so unlike other posters I ahve a hard time saying that you will not benefit from the good you do fof otheres.
