Nice progress. I have just recently started tracking my expenses and have surprisingly been able to lower my restaurant costs as well as keep my grocery costs basically the same which was a shocker to me (since I had been eating out 4+ lunches and 4+ dinners a week so very little groceries)...amazing what can be done when you start actually paying attention to what is on sale and opting for those.
Probably just about everyone on here would disagree with me on this one but I disagree with the decision to drop the pet insurance. I had a very sick cat the first cat I had and did not have pet insurance. I would always end up paying for the recommended treatments but it would always nag me that I was paying $x,xxx for unknown outcomes or $xxx to diagnose a problem that would then be treated for $x,xxx, and that was not what I wanted on my mind when my pet was sick. After that cat died I went through all of his medical expenses which amounted to ~$2,000/yr (certainly far from the norm.).
Before I got my two current cats I researched a bunch of pet insurance options and opted for a policy that I estimated I would break even on if one of my cats needed an emergency visit every 3 years or so (I had a fairly good idea of what 1 emergency visit costed by that point). I have had my current cats for 3 years now and am currently slightly above break even on my policy because, although both of my cats are very healthy, I still had to take one in for an emergency visit twice early on due to urinary obstructions.
I watched this cat like a hawk after the second occurrence of this and discovered he does not drink any water so I have avoided further issues by only feeding him wet food and adding water into it. For me though, it isn't even about breaking even, it is about not needing to think about costs when one of my fur-babies is not doing well...I can afford the emergency costs regardless, but the small potential savings due to cutting out the insurance just isn't worth it for me and in fact at this point, having the insurance was the cheaper route to go.