You should try budgeting "backwards" from what you're doing now. Mortgage and house stuff is a fixed cost, start there. Next is savings. Allocate what's left to expenses. Currently the $1174 "leftover" is your savings but any of the other categories could eat into it and you wouldn't notice because you're used to saving whatever's left after expenses rather than a fixed amount.

These look high to me

• Phones-130
• P Car Payment-700
• K Car Payment-422
• Car Insurance-242
• Car Gas-200
• Food-800

$200 each in fun money is very reasonable, but it seems like your cars and food are also expensive so I'd imagine some portion of that also counts as "fun".

You should probably put more in retirement.