Housing: 30%
Food: 10%
Auto/Trans: 7%
Insurance: 3%
Cons. Debt: 7% (kitchen remodel payments)
Recreation: 9% (includes travel -- remember, I'm flying to Osaka)
Investments: 20%
Clothing: 3%
Med/Dental: 2%
Miscellaneous: 6%
School: 3%

Food is easily the hardest one for us to cut back on, psychologically; Entertainment/recreation would be second; miscellaneous is third. It's hard to schedule for the sudden:
oh this event came up, we won't have time to have dinner at home.
Oh this is a concert we'd really like to see.
Oh my only surviving immediate relative is getting married in a country that's foreign to him.
Oh someone came in from out of town.
Oh someone I know had a stroke and needs cheering up.
Oh I got rear-ended and want a massage so my back doesn't seize up.
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I did not get the job I interviewed for, which is just as well. Someone else with lower expenses can truck it into no man's land on a daily basis in his or her Chevy Tahoe or Hummer H3: I will look around some more and maybe I'll find something bus-accessible or even walkable. Or I can look for opportunities in Toronto, Vancouver, Kamloops or Victoria.
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Cranky as of late, but a silver lining is that my city's Noise Abatement crew understands that penning two Great Danes in a 20'x40' run and leaving them unattended all day so they can bark out their frustration is a violation of the city's noise ordinance. We're logging the incidents of the dogs' owner's pet abuses. The dogs wouldn't bark in excess of 20x/daily if they were happy or satisfied with attention. Our neighborhood is simply not that dangerous to justify 20x/daily dog barking. Maybe their owners are unaware of the abundant doggie daycare businesses in the city.
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I wonder why my questions are not being answered on the forums. Gailete responded to my search for a 25-day grace period w/no mandatory arbitration card question, but I thought the 'household interest ratio' question was legitimately financial.
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Every time I check my Roth IRA balance I am reminded of the film Groundhog Day: even though I add $400 to it monthly, and have diversified positions (cash, ETFs, Vanguard funds, bear funds) my balance seems the same as it was the last time I checked (three weeks ago).