Just what occurs on a first reading:
$135 for Internet (+ "cable"... what is this, the 90s?) seems *very* high. I pay less than $40 USD / month equivalent where I am for Internet.
$400 / month for groceries? And there's only one of you? Shop the flyers and discount stores and cut this in half at least! For reference, myself + my wife + one toddler eat for less than $200 USD / month equivalent.
Restaurants are not food. If you want to eat out a tonne every month and burn $100, that's your choice, but call a spade a spade and put it under Entertainment. My wife and I can do date night at our favourite restaurants for less than $25 USD equivalent... so just one person could eat there *8 times a month* on your $100. Something to consider.
Are disability or life insurance required by your employer? If not, why have them? Especially life insurance, which is you making a bet that you will die and the Insurance company making a bet that you will live. Seems like the opposite of how I'd like to bet on my own life ;)
$13 / month on vitamins? Is this some kind of specialty vitamin prescribed by a doctor? Otherwise just eat real food and stop it.
Alcohol is more entertainment again, unless you drink for uncommon reasons ;)
WTF is "cash withdrawal"?
Cleaning service... is your condo really so big that you can't clean it yourself? If so, get a smaller one.
OTOH, car repairs seems insanely low. Are you not saving for larger repairs / car replacement?
Credit card fees: no.
And of course: you can always cut car related expenses by driving less.
Thanks for the feedback, singpolyma, it's much appreciated! Here are my thoughts and some additional context on the items you pointed out:
Internet would be about $60 with taxes by itself, so the cable portion is about $75. It's definitely high, but I watch a good bit of TV (I know, not a great habit) and have priced out streaming options and those would still be about $50 and would scatter all of the various shows to different platforms/interfaces, whereas now all my shows appear on the DVR, so for $25/m I didn't think the hassle was worth it. I'll continue to keep an eye on this though as the options get cheaper and better.
Groceries - the $400 includes household goods (such as paper towels, toothpaste, advil, etc). I need to figure out how much of the total that is and better represent that. But, I definitely agree that the grocery portion is high given I'm single. This seems like one of the best targets for reducing my expenses - just need to figure out how. Any good resources that might help me?
Restaurants - I agree that a portion of this should be considered entertainment, but not all as you do still consume food. $100/m does seem a bit high, but it does include food when I travel and cooking isn't an option. I generally only eat out once per week, and cook at least 3 times (I eat alot of leftovers) so I think I'm doing ok here overall.
Disability & life insurance - nope, not required. Disability is important as I'm single and self employed, so if I am ever disabled, I don't have a spouse's second income and my parents aren't in a position to help me. This was reinforced by seeing my Dad's disability income be much less then his actual income. While he has recovered and working again, they are still recovering financially from that. Life is definitely not needed at the moment (no spouse or kids), but a few years ago I was having some fatigue issues and before I went through all of the testing to diagnose, I opted to lock in a policy in case I was diagnosed with something serious. Turns out I have sleep apnea and that was something that would have made me ineligible for a policy, so I'm glad I did that even if I don't currently need it. I also plan to get rid of it as soon as I am FI.
Vitamins - some of my fatigue issues were related to vitamin deficiencies. Not sure if I'll be able to replace all with food, but definitely agree that that should be the goal.
Alcohol - agreed, definitely entertainment :)
Cash withdrawal - this is basically my cash version of "Misc". I don't use much cash and I don't have a good way of tracking what it is actually spent on unlike my credit card.
Cleaning service - nope, not big, just hate doing this with a passion and it takes me like 5 hours to do a full clean, where they are in and out in 1. Given that I can charge ~$75/hour for my freelance work, I feel like I can justify this given it takes me 4 hours longer to do. Also, I only have it done every 6 weeks and do keep the place clean in between, so this is for a "deep clean".
Car repairs - this just includes very minimal maintenance (oil changes, tire rotation, air filter, etc). The car is only 5 years old and I only drive about 3,500 miles/year. So, while I do expect those costs to go up, right now, that my actual cost to maintain.
Credit card fees - agreed! It made sense at the time I got it (Delta AMEX). But, I'm not traveling much with Delta anymore and I'm in the process of converting to a non-fee card.