what advice to increase disposable income for the information below would you give $-$ Income:

$1.$ Salary: $\pounds 118,000$

$2.$ Self$-$employment income: $\pounds 24,500$

$3.$ Bank account interest: $\pounds 30\mathrm{.}75(\pounds 2,050*1\mathrm{.}5\%)$

$4.$ Building society deposits interest: $\pounds 4,998(\pounds 178,500*2\mathrm{.}8\%)$

Explanation:

Total Income: $\pounds 147,528\mathrm{.}75$

Expenses:

$1.$ Total house expenses

$2.$ Utilities expenses: $\pounds 5,250$

$3.$ Housekeeping expenses: $\pounds 20,750$

$4.$ Motor expenses: $\pounds 3,965$

$5.$ Travel and leisure expenses: $\pounds 23,500$

$6.$ Personal expenses: $\pounds 1,200$

$7.$ Savings and personal allowance expenses: $\pounds 18,000$

Outstanding mortgage: $\pounds 126,000$

$9.$ Other qualifying loans: $\pounds 22,000$

$10.$ Credit card balance $($at $18\mathrm{.}4\%$ interest$)$:

$11.$ Another credit card balance $($at $9\%$ interest$)$: $\pounds 2,352(\pounds 12,800*9\%)$

Total Expenses: $\pounds 232,782$

Net Income $($Income $-$ Expenses$)$: $\pounds 147,528\mathrm{.}75-\pounds 232,782=-\pounds 85,253\mathrm{.}25$