S.W.
Ultimately, I think it depends on your debt load, what you make, and what you're willing to sacrifice so you can save instead of spend. if you're looking for good budgeting tools, Microsoft Office Online has great family budget templates that you can download to excel and that might help you get a the full picture of what you're making and what you're spending and how to get that under control. The fact that you have money to spend after your bills is a good thing, as long as you're paying your bills on time.