I didn't read all of the posts here but here is what stands out, consider either reducing or eliminating these, in my opinion.
Raising 4 kids is expensive. Raising 4 kids in a way that gives them a great childhood (travel, sports, music, birthday parties, tutoring etc.) is crazy expensive (I have 3 kids myself). You guys seem to have a good thing going on, so I would just go for the low hanging fruit and now sweat it too much.
- $550 in electricity (seems high)
- $185/mo additional mortgage (consider pausing for now)
- $167/mo in routine auto maintenance (seems very high)
- $280/mo cell phone plan (very high)
- $208/mo gym membership (go to a cheaper gym)
- $140/mo massage (skip unless medically necessary)
- $240/mo in pets (don't replace your pets when they pass on)
- $100/mo in subscriptions (not huge, but you might save an easy $50/mo by auditing usage)
- $1800/mo in travel (is there a trip or two you can skip? do you need to do each of these every year?)
- $551/mo charity (up to you, but if you're feeling strapped, maybe cut back for a few years?)
Raising 4 kids is expensive. Raising 4 kids in a way that gives them a great childhood (travel, sports, music, birthday parties, tutoring etc.) is crazy expensive (I have 3 kids myself). You guys seem to have a good thing going on, so I would just go for the low hanging fruit and now sweat it too much.