What does food have to do with gas, that has to do with fun?
It's probably about right
$447.29 for a truck payment, normal, but PAINFUL!
Honestly at a 30% savings rate (1388/4600 ~= 30%) you're doing really good and you don't NEED to change anything, but you might WANT to change some things. You know, things like cut the cable and reduce the phone bill. Stuff like that.
Besides that, here's what I would do
#1 Take the 23k from the mutual funds and pay off the truck. Then start saving $447.29 a month for your next vehicle.
#2 Consolidate the rest of your investments into something a little more liquid than CD's and muni bonds.. when you're able to.
#3 Open up a Roth IRA and do your investing there. Max 5k a year so about $420 a month which should leave you with about $968 to put elsewhere.
#4 You'll probably want to get to about 30k is liquid savings (an emergency fund). Assuming you have 16k after paying off the truck that's another 14k to save.. or about 15 months.
#5 After the 15 months start paying the extra $968 towards the house.
Couple more questions...
The mutual funds are an IRA - just not a Roth - i'm sorry i didn't specify that.
I think I would be penalized if I take from the Mutual Funds - the muni bonds are very liquid as I can pull from them anytime without penalty - should I take from the muni instead of the mutual funds?
The CD sucks, the rate sucks, I don't even know why I set it up - I may just cancel it and take the money from that and put it into the muni bonds - what do you think about this? The only penalty from cancelling the cd is i lose some of the interest earnings gained which are TINY as it is.