hazairi,

you are at the right track, just hope your wife can get a decent pay after she complete her study ...

i can't see what else you can cut as those items are basic necessity ... may be you can cut the astro programs or remove it if you no time to watch ...

Hazairi,

The variable expenses do take a quite big portion of our money. These are where you can potentially save:

1) Use phone plan that best suit your usage. I use XPax & I xpax-ed all the numbers that I regularly used. Prepaid is sufficient for me. If I too stingy to call, I use office phone    I save here. 
2) Balik kg trip. Either u can reduce the frequency to maybe once in 2 months & just call your parents instead, or other way is you choose the time for the trip. Dont drive during peak hour (if u use normal road) & try to maintain your car speed & avoid sudden acceleration unnecessarily (ok this is a bit extreme but it helps  ).
3) When dining out, choose normal/cheap restaurant instead of kopitiam & such. Maybe cooking at home is cheaper.
4) Groceries...if possible, be a member to the groceries market that u always went to. Choose the cheapest supermarket based on the items u usually buy. U can save there & sometimes got offer to members too..
5) Shopping...try to reduce the number of shopping..do more only when they are having sale..bargain there 

Hmm...where else can you/we save....

I suggest you list them down so we can share. I wanted to save more too. 

Almost the end of the year.

Was actually targeting to save RM10,000.00 this year but I end up with RM20,000.00 cash.

I spent on what I need but heck, I have additional funds!

Have only 1 loan which is PTPTN.

Am I in good shape?