My expenses are as follows:
Mortgage: $870/month
Food: $500/month
Natural Gas: Varies ($32 in summer/$80-120 in winter)
Electric: Varies (seems to average about $65-70)
Gasoline: $220 (My commute is 30mi one way so 4 tanks of gas in my beater, plus one tank in the Accord for weekends)
Cell Phone: $45/month
Internet: $62/month
Netflix: $12/month (Cut the cord so no cable, but very resourceful on getting stuff online plus have a server in the home for movies, etc.)
Car Insurance: $92/month (I pay one yearly payment of $1104 for 2 cars Corolla beater for work and my Honda)
Total: ~$1970/month
Free Income: $1130/month (assume no overtime and this is with 5% 401k coming out)
Roth IRA max: -$460/month (This puts me down to $670/month)
At this point I'm at about $600-700 per month which isn't that much money over 4 weeks. I use that for things like clothes and general wants. I will never get rid of this because life just isn't worth living if I can't take my family to dinner and buy some things that we enjoy.
Not to get all Matrix on you, but you have two choices here. You can take the red pill, keep things more or less as they are and squirel away a little money every month. You'll live a decent life, have enough to cover some expenses, use credit cards for the big ones, and then pay them off...pretty much what it looks like you're doing now. Or you can take the blue pill and transform your life to meet your goals. Here are some great ideas on how to cut your expenses. I'm not going to sugar-coat it, you won't like these. I see a few glaring problems.
First, unless your GF is using one, why do you have TWO CARS!?@#!? Pick one and dump the other. There is no reason to own two cars for one person. If your GF is using the Accord during the week, this is less of an issue.
Second, your commute. Using the IRS reimbursement rate ($0.56 per mile), you're spending 31x2x0.56=$34 every day to get to work. That's $694.40 per month (20 days). That's a crazy high number!!!! Yeah, you're only paying $220 of that on gas, but obviously you're causing a lot of W&T and using up your car every day/week/month. Not to mention your time. To fix this, either move, carpool, or find public transportation.
Third, I promise you that you can find something better than Straight Talk. Which cell network are you using via Straight Talk? You might not be able to save a ton, but there are good alternatives with AT&T and Verizon. ST is one of the worst companies I've ever had to deal with. I'd lose money to not have to deal with them.
Fourth, food. You're spending is high. You need to cut that down. Even shaving $100 is a good option.
Fifth, Internet. $62 is way high. Call up the local company and threaten to cancel. They'll give you a discount to keep you. You should be able to get this down to $40 or less. I pay $41 with Comcast to get 25mbps and HBO/HBOGo.
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Here is the bigger problem I'm seeing though, and it's not what you wrote down, it's what you didn't write down. You have no entry for property taxes or house insurance. Without looking at a mortgage calculator, I know those arent' escrowed in to that number you listed. I'd wager that those would add 2-3k a year in expenses that you aren't listing. There goes most of your savings right there. You've got zero listed for medical expenses. Even copays cost something. You've got no listing for water/sewer. Do you have a well? No listing for gifts/Christmas. Nothing for car maintenance. Driving 15k a year commuting, I'm sure you're going through breaks/tires/oil at a rate that you need to budget for it. These are not emergency fund things, you should be saving for it. Here is my recommendation. Track your spending. Start using Mint, YNAB, Excel, or something else to really get a handle on what you and your GF are spending money on. If you guys are living as a couple, you should be earning, saving, and spending as a couple. Cut your expenses down and start to really save. It will change your life.
Income is not your problem. Based on what you didn't track, I would question how accurate your numbers for what you did track really are. Did you look at historical data? Do you breakdown and categorize your spending regularly?