Easy to say, hard to apply, even more with a family.

Move to smaller appartement, but every other appartment cost same or more already.

Get rid of car, you cannot see most family and friends, you cannot do most leasure activities. So yes big savings but for a sad a solitary life.

Insurance you cannot got lower than a minimum.

Taxes you have no choice.

The rest is 15-20% of total spending, so even by saving 50% of it, that's just 7-10% more saving.

Most people that pretend to save 30-60% of their income are in fact earning so much that they could afford working 50% or less.