Diving in. . .how's my SOA?

If you only use £50 a month fuel for the car is it even worth having, it works out at less than 10 miles a day? By the time you add in the insurance, tax and maintenance costs you could probably use public transport and pay for occasional taxis and still be better off (plus money for selling the car could pay off a huge chunk of your debt straight away)

As already said £100 a month on clothes is too much, just wear what you have for now and only buy any essentials. Also would be worth looking into a wardrobe clearout and sell on eBay, you must have a lot if all of the previous £100 a months worth of clothes are taking up space.

Your water is really high but also are you putting this aside every month? If not how will you pay next year if you haven’t saved it and what else is it being spent on?

Groceries could easily be cut, you are already dealing with the cleaner, the fags are something to work on but as an ex smoker I know you won’t quit until you are ready. Otherwise everything looks reasonable.

Do you actually have £60 a month leftover? If not try a spending diary to see where it all goes. Include every cup of coffee, every bar of chocolate when paying for fuel, basically every penny needs to be accounted for.