Depends on what you want.
If you want an analysis of your cash flow and specific suggestions for improvement, the more specific (and consistent) your description the more likely you will get useful input. Numbers are better than words. If the case is complex, spreadsheets (e.g., see last post in "How To: Write a "Case Study" Topic") are better than numbers in a post.
Some pet peeves (may just be me...):
- Listing only net income. Usually leads to questions about "how much in taxes? what pre-tax items do you have?, etc.
- Adding taxes, insurance, etc. but calling the line item "mortgage payment". Mortgage payment is Principal+Interest only. It stops when the mortgage is paid. The other items continue as long as one owns the house.
- Not being consistent (i.e., matching the results of the Excel PMT function) with Original Principal, Interest, Term, and Payment when describing loans. Inconsistencies here lead to questions about an OP in general. "Remaining Principal" is a nice-to-have, if and only if the loan will be fully paid within a year or so.
If you want input on a "life situation", words are probably better than numbers.