<human>: Provide a brief overview of the text.

I'm a big fan of this sub and have learned a lot from reading but was hoping some of you wouldn't mind sharing your unbiased opinions about my case. 

My wife and I (28 and 27 respectively) moved from Texas to NC, away from both sets of families, to accept new jobs (double promotion!) in July of 2013. We went from making $75k combined to $118k. Therein lies our problem. 

All of this extra money went flying out the door enhancing our lifestyles instead of our savings account. I do have a budget that we are pretty good about sticking to and we both contribute to our company's 401Ks. I just wonder about our overall financial health and what we could be doing more. 

**Income**
Take home pay (after health, dental, 401k) ~$6200

**Monthly Expenses**
Remember I said we went a little overboard given our CC situation...

Rent $1595 

Car Leases $590 BMW, $415 Benz

CC Min. pmt $400 (actually 2x the minimums but I treat it as such)

Student Loans $315

Insurance $195

Cable+Netflix $130

Grocery $400

Gasoline $250 

Electric $100 

Entertainment $250

Individual "burn money" $150 each = $300

**CC Debt**
We have a little over $1250 left over each month to pay down our credit cards. We have the following:

CSP - $4600/$12200

Hyatt - $1300/$5000

CapOne - $0/$5000

Amex BCP $3600/24000

Amex SPG $500/$12500

Wells Plat - $5500/$12500

**Savings/Retirement**
We do alright for retirement thanks to generous company matches. 

Me: 11% + 6% match + 3% year end bonus = 20% of my $58k

Her: 5% + 4% match = 9% of her $60k

Emergency fund is no bueno: ~$500
<bot>: Take a look at the numbers and tell me how we are doing and how we could be doing better......please and thank you.