Re: Can I get some ideas of what to trim please?
I would definitely ditch at least one phone, if not two--it looks like you have three phones total for two adults? Is that right?
Also, call around for better insurance rates. Ours are half that with more coverage, but I live in the US, so I am sure it is different.
Making homemade cleaners and using cloth are great, but really a drop in the bucket compared to big ticket expenses like multiple phones and high insurance premiums. I recently added up what it would cost me to use disposable diapers and wipes for two years--$770. What it costs me to wash my CD twice a week at home for two years--$400. Looks like a decent savings until you add in the cost of the CD themselves--$700 for 4 kids (including wipes, wetbags, covers had to be replaced over time, etc). I still CD for environmnetal and health reasons, but the savings in pretty minimal.