[ww520]

Housing cost is one of the most expensive expenses. Living several rungs down in housing than you can afford generates lots of saving. In your case, mortgage is already at 35%; tax, insurance, and maintenance are probably another 10% to 15%. That's a big chunk of your expenses.

45% on others look a lot. Can you break it up? Hope you don't have expensive cellphone plans or cable or etc.

Also supporting 3 other people with one income can be tight. Children are expensive to raise. See if your SO can work, even parttime. That would help out a lot.