£20 a month on cleaning/toiletries sounds a lot, try looking places like poundland as they have brand name stuff for not very much money.
Have a look at your broadband and see if you can get a cheaper deal as well.
Also if youre phone contract is nearly up for renewal I would suggest getting off a contract and getting a pay as you go sim if you dont use your mobile very much, you can still get a number of free texts/internet/minutes.
I do think the car is costing you a lot of money but I understand that you cant do without that.
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