Newbie Budget Review

Hello MM!

I often lurk on here but decided to be brave and finally join in and post my budget. I'd appreciate any suggestions/comments.

I'm going to have to start paying back some student loans within the next few months. So I've created a new budget to accommodate these changes and it doesn't look good. I really need help analyzing the situation and finding things that I can cut.

My husband and I have a joint account for shared expenses (50/50) and individual accounts for the remainder of our money. He refuses to help me pay off any student loan debt (he has no SL debt and makes about $12K more a year than me). Somewhat understandable but still... Husband keeps annoyingly dropping hints that I should get a second job. I used to work retail on the weekends to make extra money but it just got to be too much to handle - I'm currently in an MBA program and working full-time.
<--- this is probably irrelevant but I just needed to vent.

So here goes:

Before tax
6% contribution to 401K (plus company match = 10% total contribution)
Health Insurance
Health Savings Account Contribution - $134/month


After-tax/insurance/401K Income $2,390.00

50% of shared expenses (my half)
Mortgage (30 year @ 3.75%) $1,360 total $680.00
*includes escrow and insurance
Food ($500 total for 2 people - includes eating out) $250.00
Electric (average $120) $66.00
Pets ($85 total) $42.00
Trash ($96 every quarter) $16.00

Individual expenses
Car (72 mo @ 1.9% to be paid off July 2016) $309.00
Car Insurance $88.00
Internet $46.00
Cable TV $52.00
AES student loan $7,771.14 @ 2.91% $48.22
NELNET B student loan $7,390 @ 6.8% $86.05
NELNET C student loan $4,302 @ 6.8% $50.10
NELNET E student loan $4,588 @ 6.55% $33.97
NELNET F student loan $8,788 @ 6.55% $65.07
NELNET G student loan $4,518 @ 6.8% $56.20
Gas $250.00
Spend Money $100.00
Savings $100.00
TOTAL $2,338.61
Left Over $51.39

Add'l facts:
All utilities are electric; we have a well and septic tank
My husband pays our cell phone bill
Personal Savings = $200.00 * yes, absolutely pathetic but I just cleaned out my savings account to pay off all my CC debt

I expect some sort of raise in April or May - most likely 2%

Goal - to not take on any more debt, save $1000 in an emergency fund, and get ahead so I'm not pulling my hair out every time I look at my budget.

Some options:
Reduce 401K contribution from 6% to 3% - will give me an extra $90/month
Buy more fuel efficient car with lower payment - con: will probably result in taking on more debt (I have a 40+ mile round trip commute everyday in a SUV)
Get a part-time job on the weekends
Talk to car insurance co to see if I can reduce anything
Convince husband to help me pay off some student loans

Thanks!