From what I can see, you seem to be missing 4 xp.
Childhood (0-5): 45 xp
- English 5: free
- Second Sight 1: free
- Area Lore 1: 5 xp
- Awareness 2: 15 xp
- Folk Ken 1: 5 xp
- Stealth 1: 5 xp
- Swim 2: 15 xp
Early life (6-7): 30 xp
- Latin 3: 30 xp
Apprenticeship (8-23): 240 xp / only 236 spent
- Latin 3 to 4: +20 xp
- Craft 2: 15 xp
- Artes Liberales 1: 5 xp
- Philosophiae 1: 5 xp
- Code of Hermes 1: 5 xp
- Finesse 1: 5 xp
- Magic Theory 4: 34 xp (x1.5 for Affinity = 51)
- Parma Magica 1: 5 xp
- Cr 3: 6 xp
- In 7: 28 xp
- Mu 4: 10 xp
- Pe 3: 6 xp
- Re 8: 36 xp
- Aq 6: 21 xp
- Au 2: 3 xp
- Ig 1: 1 xp
- Te 6: 21 xp
- Vi 4: 10 xp
My comments (feel free to ignore any or all of them):
- Considering your spell selection, Iris has very little use for Creo and Perdo at this time. These points would be better spent elsewhere.
- Considering Elemental Magic, it would be surprising for Iris to have a score of only 1 in any of the elemental Arts.
- The Craft score is stil very low. Puissant helps bring up the total, but Verditius pride themselves on their craft skill. Right now Puissant only gives you the equivalent of 35 xp. Any of the xp-boosting virtues would provide you with a greater benefit initially (though this changes over time as your skill in Craft increases).
- Note that a score in Penetration doesn't help when enchanting items. It is still a useful ability, but less so for a Verditius since they often rely on items for their greatest magical effects.
- If you selected the spell Gather the Magical Essence because of the vis-harvesting nature of the chapter house, feel free to spend those spell levels elsewhere. Most magi find that Gather the Essence of the Beast useful enough, while just as many simply have their grogs bring the whole carcass home with them. This will also be a spell that is easy to learn when the saga starts.
- All of your combat spells are Terram-based. You also have 3 of them, which may be overkill for a maga right out of Gauntlet. Consider that Iris doesn't know any defensive spell and very little in the way of general utility spells.