What do the financial questions for a Standard Visitor visa application really mean?

Here is how I as a native speaker of english but not a lawyer of any sort would interpret these questions.

What is the cost to you personally of your trip in GBP(£)?

Add up the cost of things you will be paying for personally but not things that will be paid for by someone else (e.g. your employer for a buisness trip). Consider at the very least food, transportation, accomodation and the actual purpose of the visit. Use reasonable estimates when hard numbers are not available.

The total amount of money you have for this trip?

I would interpret this as how much money you have availble for spending on the trip without having an unreasonable impact on your overall finances.

I would expect this to cover both the expected costs of your trip and reasonable contingencies. If you miss your pre-booked transportation and have to buy a new ticket at full on-the-day price can you afford that? If you have to spend a night in an unexpected place can you afford that?

If you can't then it's probablly time to reconsider your trip and plan something you can comfortably afford.

How much will they be paying towards your trip (in GBP £)?

I presume this is in reference to a sponsor. I would include costs that the sponsor is paying on your behalf. Again this may include transportation, accomodation, food, tickets etc.

What is the total amount in GBP(£)?

I don't feel I can answer this one without knowing the context in which it is asked.

Unfortunately the questions on the paper application seem different from theose in the question and as a british citizen I can't start the online applicaiont process without lying which i'm not comfortable doing.