Need more info.
We've established 3 people so I'm assuming 1 car based on vehicle and insurance costs.
Need to know city, actual dollars and mortgage situation to give meaningful advice.
Without knowing one obvious target seems to be total food costs. If you have the money up front you can save 20%+ on meat by buying a freezer pack from a butcher shop or getting bulk packs at Costco, even more if you go for the more unpopular cuts. Example: I'm not saying you eat steak every night but for the cost of a good steak you can feed 3 people.
Other obvious target seems to be home expense, I'm guessing it's that high because there are condo fees involved?
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