Hi dear Lyn bro & sis, i need some advice & view for my financial management.
Below is my financial report

I'm married so will add in all my wife income & family expenses too.

Monthly :
Total Income : 9k-10k (me + wife)

Child : born soon (this year)
Car & House loan : $3000
Car Maintenance : $700 (including insurance, petrol & all service)
Phone & Electrical bill : $400
Personal Insurance : $500
Meal : $800
Personal Care : $200
Tax : $200 per month (divided by 12mths)
Parents : $600
Outstation : $300
Medical expenses : $300
Future child expenses : $1000
Etc : $200
Total Expenses : Around $8200

After monthly expenses, we left around 1k-2k.... please advice any planning changes i should make.
Should i just save the 2k into bank, or make some investment ?
I already mess up my car loan few years ago... car loan itself already more than 2k per month... 2 years ago my income was few K higher... now still left 2yrs+ to finish the loan.

Maybe becos i suffer from income drop few years ago, now really scare 2k saving not enuff.
If next year income drop another 2k means i no more saving. And if drop more than that means i going to eat grass with negative income.

My car is a honda accord 2.0, not a fuel guzzler it's still acceptable. If sell this accord and get a smaller car... mean i need to loan one more time from bank again... then i also rugi becos of bank interest % 

1k for child is estimate, my mum is not very healthy so can't help...