Monthly outlays include:: gifts $550; vacation, travel $530; dining, drinks $945; entertainment, pets, sports & hobbies, subscriptions $1,200; 

OK, who is getting the almost $7,000 a year in gifts?  Huh?  I see some snipping that can be done here.

Similar amount for travelling.  Where are you going?  Can I come along?  (Just kidding).  If you do a staycation every two o three years, you can save a little bit of money.

Dining and drinks of almost $12,000 per year.  I hope this is taking potential future clients out.  Otherwise, there is some serious cutting that can happen here.

Finally, almost $15,000 a year on entertainment, pets, sports & hobbies, and subscriptions.  I have two friends on AISH who get about $20,000 each to cover all their expenses (food, clothing, shelter, etc.) for a whole year.  Hint, I expect if you take a hatchet to those numbers, their are some decent savings to be had.