Hi -- great post and great contribution to the Steemit Personal Finance community.
A few points:
- One approach to a budget is to put the cash for each category in envelopes. It helps with adhering to your category budget if your food envelope has a limited amount of cash in it. It's also liberating -- you can freely spend the money you have budgeted.
- Try saving a little bit of money right off the top in a way that is a little harder for you to access (maybe even 5% to start). This could be an automatic deduction from pay, or it could be depositing bills in a piggy bank that would be harder to access. This both provides you a little bit of emergency funding and gets you used to living on less than you make.
- It looks like you're doing a great job of being frugal. Maybe you could pay more attention to tracking your spending?
Cheers,