A few take-aways:
1. Kids are expensive... especially in California. Rent and childacre together account for 57% of our annual spending.
2. Discretionary spending, including vacation, dining out and recreation account for 12% of our spending. To me, this suggests that increasing our savings by means of reuction in spending would be a pretty difficult thing to do. Notice also that our spending on groceries is very low as a percentage of over all spending.
3. You may be interested to know that our utility spending breaks down as follows: Gas & Electric - 38%; Cable TV - 19%; Internet - 18%; Water - 11%; Telephone - 10% (thank you skype); Other - 4%.
By the way, I compiled this categorization using Quicken