Please could you help me make a list of all essential bills

[ssd]

Am trying to get out of a muddle

Mortgage
Council tax(includes water bill)
Buildings and contents insurance
Tv license
Food
Travel
Going out money (rare)
Mobile bill

What else am i missing??

Internet bill? Any credit card/loan monthly payments? Life/pet insurance? Property management fees?

Gas/electricity

Electricity/gas
Toiletries
Cleaning products
Clothes

Gas and electricity

Tv licence

Factoring fees (if applicable)

Do you have a car?

Dentist fees?

Water .. that can be a biggie!
Pets .. dog can be £100 plus a month

If you have kids - any club fees? Brownies/Cubs Subs? Dancing/Gym Fees? Netflix/Amazon Prime or any TV related subscriptions? Any insurances? This can cover Pet, Car, House,Contents, Health or dental insurances?
They do all add up and I can quite see why you need a list of them all.

I do mine in groups.

House; mortgage, council tax, life insurance for mortgage, buildings & contents insurance.

Cars; 1 x car loan, 2 x insurance, 1 x breakdown, 1 x warranty & breakdown, 2 x MOT, 2 x road tax + average monthly spend on fuel.

Dogs, insurance, flea & worming, food.

Utilities; gas, electric, water, broadband and phones.

Entertainment, sky, Netflix, Amazon, newspaper subscriptions, Audible, national trust & English Heritage.

Then I add the typical monthly supermarket spend and scare myself silly.

OP says water included in Council Tax (Scotland?).

Car?
Breakdown insurance for boiler/washer etc
Memberships
Life Insurance
Magazine etc subs
Amazon Prime?

Gosh I'd forgotten so many things!

Thanks all.

dentist
car tax
car expenses

Any DC? If so - maybe school lunches?
Any charity donations set up on DD?
I also have tesco delivery pass that I pay monthly.

Travel costs - petrol or rail/bus pass.

Christmas
Birthdays
Monthly subscriptions
Gym membership
Buildings insurance
Contents insurance
Life insurance
Car insurance
Pet insurance
Pet food
Fuel
Season tickets.
TV licence
Car tyres
MOT
Car servicing

How essential is essential? I suggest dentist, definitely, optician certainly if you need glasses to drive, any other medical needs/prescription charges. Haircuts aren't essential but for many people are important

And then there are things to budget for because you will need them at some stage, even if you don't know when: new car tyres, new phone, because they don't last forever...

I think most have been covered now but
Spotify
Charities
Magazines on line or paper.
Delivery fees for online shopping
Broadband / phone lines
Mobile phone.

Check your home insurance, does it cover things that you are paying for separately.

I had phone and glasses insurance for ages then realised they were both covered by my home insurance.

Moneysaving Expert have put together a complete list, along with what to do to 'get out of a muddle'.

https://www.moneysavingexpert.com/family/money-help/

Also look through the last year's worth of account/card statements (or even better, download into a spreadsheet) to see where all your money has really been going.

Haircuts
Gym
Any debts

Boiler plan
Student loan

Social life
transport costs of no car