I found this personal finance calculator interesting this morning. According to it my budget is WAY off.
According to their percentage allotments, our housing & debt costs are fine. They recommend 30% and ours are at 24.34%.
Our insurance costs are slightly over what they should be. They recommend 4% and ours weigh in at 5.48%.
We are not saving near enough, which I expected since I'm throwing as much as I can toward the debt instead.
Our living expenses are really over the limit that they recommend. They say they should be at 26% of your income and ours come to 57.3%. I really don't see any way to cut those expenses. They are what they are and there's not much I can do about it. We need to heat our home, put gasoline in our cars so we can work and have money for prescriptions that we need.
All in all, it's a good tool to use to see how you measure up against the ideal budget and get a grasp on how you spend your money.