Outgoings: Childcare £50; Car £120; Petrol £200; Food £320; Mortgage £860; Council tax £230; Mobile phones £110; Broadband, home phone, TV £70; Gas and electricity £120; Home insurance £30; Life insurance £12; Clothes: £50; Hairdresser's costs for Richard and Preston £20; Going out/takeaways £150; Credit card: £600 minimum (still paying off)