Here is in no way a complete list of expenses but I thought I'd post it to give you an idea of what you need to budget for.
Rent
Mortgage
2nd Mortgage and other secured borrowings (provide statement)
Garage rent/fixed service charge on property
Council tax
Water rates
House & Contents insurance
Life insurance & Critical illness Insurance
Personal Pension
Endowment Payment (provide copies of agreements)
Electricity
Gas
Housekeeping (food & Toiletries)
Clothing
Child maintenance (through Child Support Agency or private arrangement)
Pet Food
Pet Insurance
Telephone (Land Line, internet and digital TV - NTL)
Mobile Telephone
TV/video/Washing Machine Rental
Sky TV
TV licence
Travelling (public transport)
Car petrol
Car insurance
Car road tax
Car maintenance
Car hire purchase
Other hire purchase
School/Nursery Fees/Meals/Travel
Child minding
Medical
Contact Lenses / Glasses
Contingency
Best Regards
Oliver
Thomas Charles and Co Ltd.
Experts in personal debt solutions.
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www.thomascharles.com/about_us.asp