just a few small points, no one speaks of all the little expenses that add up really quickly such as presents for baalei simcha, repairs of house or appliances, etc.. It is almost impossible to stick to the budgets people have described because there are always expenses that are not chesboned in.
A sheitel is not a luxury, a woman that is working needs! to have a decent sheitel and they do not last very long when they are worn on a daily basis.
Equity taken out on a house must be paid back! You can’t borrow on it and pay it back when you sell the house. It becomes another monthly payment that you can’t afford.