Your savings rate is impressive, so you are doing many things right. It would be interesting to know in what country you are living.
Now for my impression of your expenses:
Groceries: $9157 - > That is almost twice as much as what I spend on 1 adults and I live in one of the most expensive countries in the world.
Agreed - I think we're buying at retailers that charge a lot for high quality meat and are packaged in a way that is aesthetically pleasing - rather than shopping at a bulk warehouse-type of store. I'm not sure if I trust our Costco/Walmart equivalent for meat because they got caught out previously for injecting saline solution into chickens to bulk them up. I think the issue is more psychological than anything. We eat almost no convenience food and the majority of meals are at home, so I think the high cost relates primarily to meat, and things like berries/cherries.
Ultimately, I must just go and do a proper audit and see where the $'s go and then make suitable adjustments. It feels like it should be less, because it works out to $760 per month for us 2, or $380 per adult per month. Thats $12.50 per day, or roughly $4 for every meal. I know our daily breakfast and the lunches we bring to work is less than that, so will need to see where the cost comes from...
Eating out: $1770 -> This is quite a lot. It is easy to reduce it by better planning, bringing your own lunch to work and going out less often. Or try to eat at home before going out.
Always bring own lunch to work. We eat out 1-2 times per month, so not often, and the monthly average isn't too high. It shoots up quite a bit for those times when we sponsor the dinner/lunch for all the family for our birthdays (12 people). We've started making it that each couple pays for themselves rather, to reduce the impact.
Bank fees: $431 -> What are these fees for? Does you country not have cheaper banks that don't calculate fees? Switch banks if that helps. Many people don't do that because they feel married to their bank. You are not. My fee-free internet-only bank is working very well.
Little loyalty, but in our country banks charge monthly account fees. The build up for the $431 per annum is: $36 per month as follows: we have fees on each bank account for my spouse and I ($5 per month each), share accounts ($6 per month each), mortgage account ($5 per month), retirement account ($4 each per month), credit card fee account ($10 per month - offset by high cash back percentage, so it's a better deal than the free credit card accounts available).
I'm looking at the cheapest available share accounts that charge a lower fee of $2 per month. Can't do anything on the mortgage account due to the credit line and the huge cost when obtaining a new mortgage provider in our country - approx. $2k application and legal fees.
At least I have significant offshore investments in US brokerage accounts that charge me nothing, so there is some small consolation.
Gifts: $1352 -> This is a bit high. Are your GF and you still giving each other expensive presents to show your love to each other? Make sure you don't buy unnecessary gifts to someone who has everything already. And think about used alternatives.
We've been married many years, we personally don't want gifts for each other as we already have enough stuff and clutter. It's much more for our parents, family members and kids and close friends, generally spend around $30 a gift for birthday, mothers day and Christmas, so it adds up - I'll look into used alternatives. Also, need to break the bad habit of purchasing based on the $30 gift guideline we have in our head as opposed to what's a useful gift to give. We've also started just giving the gift as a cash-gift as opposed to an object, because then the person can decide for themselves what would be useful rather than clutter.
Gym and fitness: $1809 -> You could start running or cycling outside for your condition. And perhaps get a fitness mat and some weights to to more strength training at home. You could also look around for sports clubs. Maybe there is a club that offers trainings with their own trainer, included in the club fees. That can be a much cheaper alternative.
Agreed. I'm paying an instructor money for exercises that I could easily do myself.
Thanks for your responses!