Thank you, everyone!
Contrary to what some said earlier, I have found the posts useful. We have one child. She is not costly. Whether you are a single parent with one kid, a couple with no kids or a family with many people, I found something to learn. I think one person replied from a fairly large family--either in this thread or the one ARS posted a link to--and had admirable costs, so there was something for me to learn there as well.
In reviewing my budget, I see that the mortgage was, in fact, more of a problem than I had thought. Originally, I said that our mortgage was cheap so I was not even thinking about it. However, I am now viewing the mortgage as the main issue. Funny how one can see things in a new way!
Some of you are truly inspiring in how little you spend at restaurants. While we have cut down a lot, I think we could do even better.
And, though I do budget, I tend to move money around. If we go over in one category, I may reduce another category. One person suggested I create a cap and then we buy no more when we reach that cap. That might be annoying to arrange with a spouse, yet I am willing to give it a try.
Many, many thanks!