BLUF(Bottom Line Up Front) If you change nothing you are alright.
You are in the right place starting off financially and mentally.
If you did the 50/30/20 money plan its easy to see that you are living very much in the needs category and minimized your wants. Your only guilty pleasures are the newer car, gym membership, and travel account. Every dollar available is going towards debt.
1. Car: I understand the logic on wanting to keep the '07 accord. I vote keep it. Its not entirely true mustachian but I know the troubles of those old cars and repairs can wreak havoc on a young budget for even a cheap $200 repair. You should be fine as long as you do your regular oil changes/services to get to 100k without any problems.
With the reduced gas mileage budget I would take that excess and start a "car fund" to cover maintenance. I also don't see anything budgeted in for auto property tax/registration expenses. Also DIY oil changes/rotate tires! Make this car last (even though its a coup).
2. Car Insurance: Understanding that you are still on your parents and you don't control deductibles and coverage speak to them. I have two cars/two drivers insured for less $/mo. Look at the coverage and see what you can reduce/eliminate/raise (deductible). Venture out and get some quotes. I wouldn't sacrifice coverage of liability of 100k/300k per accident or whatever you have; but the other areas can be flexible for needs. Depends on your risk level.
3. Renter's Insurance: This feels a little high. Look at what your coverage again. Could you accept a higher deductible? Lower valuation on goods? Find out what discounts they offer for added things like monoxide detectors, etc. It could knock off a dollar or two. Also is this an individual plan or part of parents home owner's? look at pairing with 'rents HOI or your auto if you split off.
4. Travel Account:
You mentioned work has travel perks? Please elaborate for the forum. Also more on how much the other half is kicking in. This is the only territory that you can potentially make room to snowball auto/student debt. It seems this is your one guilty pleasure and I vote keep it. It seems to make all the other cutbacks worth it for you. Not knowing how the work perks contribute I vote you reduce this some. Plan on shorter/closer/frugal trips for the near future.
5. Auto Loan: Double payments, you rock! Keep it up. Since your parents loan is interest free ask if they are willing to accept a deferment so you can that $300 towards the auto? Then snowball the student. Payoff rate is the same but you may safe a few pennies on auto loan interest.
6. Food: $8.50/meal seems high but as you said you include dining out/booze. Keep the $250 for the category but track what is grocery/dining/entertainment/booze/needs for a few months. I guessing you are throwing in disposable items (shampoos/deodorant/body wash) with your food budget as it $10-15 here/there; which is fine, just track it.
7. Credit Card: Do you have one? You seem responsible enough that you would pay off in full. Look at ones that rewards points/cash back/airline miles and put
everything you can afford to purchase if you had cash on there and pay off in full each month. This can help supplement your travel budget.
8. Commute: Car pool? Do the cost analysis on cost/mile. Find out if some coworkers live in your direction or are open to the idea. Even if it is one or two days a week you alternate/share it can go a long way to reduce your expenses.
9. Healthcare: where are your benefits/costs?
10. Have good expense tracking software/system (I'm sure you are a excel guru and can conditional format like nobody's business).
11. Utilities: Do you have access to the hot water heater? turn it down a a tiny bit. Does it have a thermal blanket on it? Check toilets for leaks (food dye in upper tank) and ask landlord to fix if they do (usually just tweak the bobber/chains). Low flow showerhead (we have a nice one that moves with us). Put things on power strip and turn off at night (you would be surprised how much energy a laptop/tv draw in 24 hours). Charge your laptop/phone at work, not a home. Etc. Bundle up in the winter. Get the buy in on the roommate for changes in these habits.
Now on to goals (by priority):
A: Emergency Fund: $1100 now awesome. Get this up to 2-3 months (5-6k) as soon as you are debt free. Then you can slowly add while beginning to contribute towards your next two goals. (the only one that changed position).
B: 401K: Get to this after debt snowball is done. But if you only get to 20% in a year or so that's ok. You are a million miles ahead of your peers.
C: House: This sounds like a 5yr plan for you. By the time you reach that juncture I think you will be well established in your career and you will be established in your community. If this is a 130-170k range you are planning this sounds good. Have that minimum 20%, the more the better. Remember when you do go look at houses always start at the bottom of your price range. Good tip for once you get closer to purchasing a house. Once you establish what your desired house will look like do all the calculations for mortgage/interest/insurance/utilities/taxes/phone/trash/etc and start living like you were contributing that amount towards your down payment account. Then take out your rent/utilities/internet/maintenance/etc for your current living expenses. It will help A)determine if you can handle the new budget and B) increase your housing funds. *Note be prepared to have an additional 5k-8k stocked away for painting, furnishing, surprises.
D: Investing: Shoot for 2yrs out to be able to contribute a sizable starting fund to a portfolio. Being young you can afford a mix of high/medium risks options. Do your research for the next year.
E: Wedding Fund: This is a nice reasonable amount to plan and save but don't dedicate many resources, maybe a 5k fund. Once debt snowball is done keep a low dollar amount per month, focus on the others. Once you have $500-1000 for this start 1-2 3 to 6mo CD's offset by a month or two. Keeps the cash on hand available if you get to the end of your emergency fund and need to pick up another month or two, as well it works your money harder. Access your true needs for a wedding. I used this website
http://www.costofwedding.com/ to find out the average was 19-29k in my area. We spend 13k and we had more glam than my cousins 40k wedding.
There is not much you can do to reach your goals faster. Time is on your side. Minimal adjustments to your expenses can accelerate your payoff by a month or two at most(if you are not selling the car). Seek out additional means of income (babysitting,house/dog sitting, part time waiter on weekends, etc) to advance your goals if you wish. Promotions/advancements are your biggest resource. Make sure you negotiate raises that you deserve! Don't be afraid to make a reasonable counter offer (provide $, value, evidence, research) if your research tells you differently. Don't sell yourself short, if you think you are worth and you can back it up, fight for it. When you do get that raise do the right thing. Take 4/5 of that money and contribute towards your goals, and 1/5 to improve your standard of living/budget shortfalls. Where you sit come fall of 2013 or even fall 2014 will look completely different.
$24k-$36k is the correct amount to spend annually. Spending less means you're missing something (like healthcare) or live as a hermit, spending more means you're a wasteful over-consumer.