Of course, any of us can cut expenses if we want to. Rather than give you my opinion, I thought I would give you a few hundred opinions all at once.
The first column below is the average of all DINKs with mortgages in the Consumer Expenditure Survey. These people do detailed spending diaries and interviews, the gov't conveniently accumulates the data for us.
I've tried to match your categories. Of course, there are always some classification issues.
I notice that you don't list "car replacement". That's a big expense for a lot of people.
Discretionary
1,824 …… 5,000 Clothing
3,493 …… 4,000 Dining Out
1,630 …… 4,000 Donations
476 …… 2,500 Personal Care (hair, nails)
2,288 …… 4,000 Gifts
2,071 …… 1,000 Entertainment
2,573 …… 5,000 Travel/Vacation
349 …… 1,000 Electronics
2,066 …… 1,000 Home Furnishings
16,770 …… 27,500 Subtotal
…… Semi-fixed
321 …… 500 Appliances
1,374 …… 800 Cable/Internet
1,619 …… 1,560 Cell Phone
1,672 …… 1,500 Electricity
753 …… 250 HOA Dues
710 …… 600 Natural Gas
elsewhere …… 400 Streaming services
691 …… 1,400 Water & Sewer
elsewhere …… 750 Dry Cleaning
3,405 …… 2,500 Gasoline
5,161 …… 7,000 Groceries & supplies
elsewhere …… 3,500 Costco
15,706 …… 20,760 Subtotal
…… Fixed
13,389 …… 14,424 Mortgage (P&I only)
2,113 …… 4,000 House Maintenance
3,388 …… 8,500 Property Tax
No Kids? …… 15,600 Daycare
1,287 …… 500 Car Maintenance
elsewhere …… 250 Car Registration
255 …… 200 Car Tolls and parking
1,392 …… 1,400 Insurance Auto
elsewhere …… 400 Insurance Flood
3,002 …… 3,000 Insurance Health
elsewhere …… 500 Insurance Dental
588 …… 2,400 Insurance Homeowner's
elsewhere …… 200 Insurance Umbrella
elsewhere …… 200 Dentist
1,187 …… 1,000 Doctor
elsewhere …… 200 Prescriptions
517 …… All Dental and eyecare
27,118 …… 52,774 Subtotal
Items you did not list separately. Some may be included above.
6,097 …… Cars, net purchase + lease
405 …… Vehicle finance charges
483 …… Education
779 …… Alcohol
379 …… Tobacco
1,004 …… Gifts - Tuition
676 …… Life and other Pers Insurance
1,935 …… All Other
11,758 …… Subtotal
71,352 …… 101,034 Grand Total