Kudos on getting an overview of where the money is going. A great habit that I've followed for decades. It's interesting to see patterns change. Are you doing this manually or using software, i.e. Quicken, Excel, etc?
What is your savings acct goal? When, and how, will you start investing outside the Roth/529.
I like your savings percentage, as long as you aren't then using the account to cover every-day expenses. I don't see enough detail in the other percentages to get a good picture.

Where are you accounting for housing - debt? No more than 30% for housing, utilities included, seems about right for me, but location can be a major factor.
If your extra principle payments are on your mortgage - why? I'd invest it.
I like having groceries tracked as one item and dining out as another. Better to see where to economize if needed.
Clothing is a significant expense for some, but not for everyone, as are health/beauty/grooming products.
How do you plan to finance future(inevitable) vehicle replacement? I like to try to include that factor in a multi year average of all transportation costs.
Are you maxing out any available employer-matching retirement savings?
Are you adding to any other debt, like credit cards, or paying as you go?
Cable, phone and cell costs can escalate quickly, so I break those out for closer monitoring, as well as 'consumer electronics' purchases.
How about gifting - church, charity, etc?
Medical costs?
JM$.02W

Wow, sounds like a lot of work. I have never even had a budget. I always paid the bills before we spent any of the pay check except for buying groceries. I also kept us out of debt as much as possible, which was difficult starting out.

emmar - it's really not a budget, it is more of monitoring what we spend rather than dictating what we spend.

randy - we have more detailed information I just didn't share everything on my initial post. We max 401k match at employers, the 20% savings is maxing roths and saving rest in accts for rainy day/new car and college. 25% other spending includes everything that is not a reoccurring bill -grocery/dining/clothing are mixed together in that category. 37% loan category includes only mortgage debt and escrow as this is our only debt. Our plan is to apply enough extra principle to eliminate the mortgage by retirement. Yes, we could take the extra and invest even more but one of our goals is to be 100% debt free.
Thanks for sharing!

"Wow, sounds like a lot of work. I have never even had a budget."

You're in the Household Finances forum, lol- folks here like to keep track of their money.

Oh, I kept track of the money or I wouldn't be where I am today. My main goal was to keep us out of debt. Had 3 new homes, paid off 30 year loans in 15, when we finally could buy a new car paid it off early. Today I am debt free with a 9 year old home. Now I spend like young adults, I buy anything and everything I want. I am leaving my money to a friend so why shouldn't I enjoy it.

There are many tools available to budget, track spending, make deliberate spending choices, etc. with minimal time or effort required. Two I know of are online Mint (which is free) and the very reasonably priced Quicken. Both will do downloads from your financial accounts and will sort the transactions into the predetermined categories of your choice. Income and spending information is thus immediately available for review with almost no work needed to have it available. Those who pay bills with cash would have to make entries manually.

Managing income and spending is not the same thing as living frugally. If your preference or need is to cling on to every cent you can, then that's a different story though these tools are useful for that too.