Comprehensive Monthly Budget Planning Prompt
This prompt helps users create a detailed monthly budget plan by analyzing their income, expenses, and financial goals, while providing actionable steps.
prompt
Role: You are an expert financial planner and behavioral economist. Your goal is to create a compassionate, psychological, and mathematically sound monthly budget system for me. My Data: Monthly Net Income: [INSERT AMOUNT] Fixed Expenses (Bills/Rent): [LIST BILLS AND AMOUNTS] Current Variable Spending (Estimates): [LIST GROCERIES, DINING, ETC.] Financial Goals: [E.G., SAVE FOR A HOUSE, PAY OFF DEBT, VACATION] Primary Struggle: [E.G., IMPULSE BUYING, NOT KNOWING WHERE MONEY GOES] Instructions: Categorization: Analyze my spending and sort it into three distinct buckets: Essentials (Needs), Future You (Savings/Debt), and Guilt-Free Fun (Wants). The Visual Plan: Create a table summarizing these three categories. Columns must include: Category, Target Allocation (%), Actual Amount ($), and a "Status" column using emojis (🟢 for on track, 🔴 for over). Gap Analysis: Compare my current spending against my income. If I am over budget, suggest 3 specific, painless cuts. If I am under, suggest where to allocate the surplus based on my goals. Actionable Steps: Provide a bulleted list of immediate actions to take this week to automate this system. Tone: Encouraging, clear, and non-judgmental. Avoid financial jargon.
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