Here’s my take, having a family of 3 as well (note only 1 car, and it’s used and it’s 10 years old. I also deliberately choose to live close to work because I think commuting is a waste of my life)
1. You pay too much rent (We pay 1,400)
2. You pay too much for gas (We pay less than 100 / mo)
3. You pay too much for car insurance (We pay less than 100 / mo)
4. You pay too much for groceries (We pay about 500 / mo and buy almost exclusively organic.)
4. You’re paying your loan down very quickly.
5. You tithe. Please note that while it sounds very nice to give 10% of your income to your church it’s much more realistic for _you_ to phrase it as giving 100% of your savings to your church.
When I was at your salary level I was saving more than 3000 / mo, my rent was less than 800 / mo then. I’m _not_ normal I know 🙂
