Just got married last year and my first baby born this year.

Take home pay close to 3k.
Wife is not working. (taking care of baby)

own insurance = 300
baby insurance = 100
house loan to be paid in cash = 150
broadband in two houses = 150
two handphone bills = 75
uni fees = 275
house bills = 200
baby essential needs = 350
personal expenses (transport and food) = 150
money to parents = 450
Misc + Savings = 800

Life is tough. No money and time for holiday.