Hi all, I was wondering if anyone can help us to further save more and maybe earn more

Husband and i both 32 years old, SPM and working in Private Sector.
I work in finance sector, non bank
Husband work in property sector.

Breakdown

My Salary - 3968.1 (after deduction)
Husband salary - 2472.25 (after deduction)

Monthly deduction
Car - 471 (Axia, 7 year loan, ending March 2023)
Phone bills - 250.16‬ (combined)
Internet -147.34 (no choice, only Time in the place im renting,and i signup before they changed the package pricing  )
PTPTN -101.07
PL loan -382.53‬ (4 more years left, ending May 2024)
Rent  -1100
Insurance -221.7
NETFLIX -51
Spotify -22.9
Allowance -1300
Groceries -300
Wahed - 200 (total invest atm 600)
SAMY  - 300 (total invest atm 760)
Variable - 300 (for others such as, shopping, leisure etc)
Bal : 1,292.66‬

Cash in hand currently 7,662.85‬ (6k will put in ASB soon, the rest for emergency cash..currently only RM100 there, no loan)
My KWSP = 95,269.77‬
Hubs KWSP = 40,577.37

Long story short, we had a business before and didnt go well.
We just paid all the mess in Feb except for that 1 PL loan left
Also, we never knew how to save anyway due to no proper guidance.
We learn the hard way and now want to start from 0

Currently, both husband and I took the 7% EPF. I figure to put in ASB so our salary is + 442.3
I request to withdrew from KWSP I-lestari RM500 too, again this is to set aside cause both of us in high risk industry. So this will increase us to+500
(If all goes well, i pump it back in KWSP in Jan 2021)

I want to build the 6 months emergency funds in ASB and thought we could achieve this by end of year, but Covid happens and we are uncertain in the next few months if we still have job

I was thinking to do side job but husband dont quite agree. He asked to focus on full time work and dont want things to happen again in the past.
Also we quite comfy with current lifestyle

We dont have kids yet. Planning to buy house in 3 years down the road, as we want to build wealth first.
both parents well, dont need help from us.
Occasionally go out and belanja them dinner, normal place nandos or somewhere similar level, nothing fancy

I know we started late, but we are looking forward for any advice or comments on how we can build our wealth
TY

Hi, thank you. Referring to number 5, actually Im wanting to build the 6 months emergency fund in ASB.

After building that, I thought of reducing the loans which is the PL and the car. If possible, finish paying by end of next year (very tight but possible) so we can be financially free in 2022,
So for year 2022, we continue saving and partly will become our downpayment for a house, in 2023.

To be honest, when times were rough i thought of letting go the car. husband has a bike and I commute to work. We only use the car only on weekends. But husband adamant not to let go of the car in the past.
As of now I guess I will be driving back and forth to work since  covid.(Im a high risk as I have asthma)