So we are down $300k for the year so far.  Easy come easy go.  $150k retirement and $150k taxable.  Okay then.  That is life.

That being said we had a pretty good spending money.  $1335 on our return expenses from hawaii.  $274 on eating out, $520 on groceries.  I find that no matter what I do, I've really been trying to use our pantry up, I can't get our grocery bill lower. I also found that we are eating less meat but the veggies and fruits are just so expensive.  I buy 2 lbs of cauliflower fresh is ~$4-5 and that's only dinner.  Then add in more fruits and veggies through the day and it's a lot.  Last night we had half a package of broccoli from costco honestly I should be making more veggies for the kids.  We tend to eat a lot of veggies.  For dinner 2 heads of cauliflower/broccoli, or 6 zucchini and squash, 2-3 pounds of brussel sprouts each dinner. Then cutting up bell peppers and cucumbers for snacks and I adore mushrooms in so many meals as a side (I tend to buy it and just lightly saute it).  Also we typically have a fresh salad and our meal.  And our meats while smaller now proportion wise is more expensive which explains why steak for us $50 from costco for regular and not even prime.

Also I give each kid a whole fruit for school snack but thanksfully they have the (pretty unhealthy) but free school meals.  I know it's not just me because all the moms are talking about how much they spend when the go to the grocery store. It used to be $200-300/week is turning more like $300-400 or more a week.  Most of them don't cook as exapansively so they buy the same things over and over (their words).  So they can just see the prices escalating because they buy a lot of the same meats, veggies, and fruit in the exact same quantities. I tend to buy what I feel  like making.  

Part of it is that I also think there are less sales and deals to stock up on non-perishables or cleaning supplies or anything.  So things are bit sketchy.

Well either way DH supposedly got a raise, unsure when or how much but heck we'll take anything. I also don't know if he's paying more for health insurance.

Our bills typically are

$3200 mortgage (2% arm)
$1000 property taxes
$350 insurance (life, home, auto)
$500 kids extracurriculars
$200 electric
$140 cell phones
$160 water
$100 gas
=$5650 month fixed and then we have discretionary (groceries, eating out, and everything else) plus savings. 

Discreationary should be around $2000/month but we are struggling to stay there. 

That being said I have my furnance and other charges to be paid by Marhc 2023.  Started at 
12/1 $13025.77
2/1 $15373.45

Hoping to make some serious headway these next few months.