Zero-Based Monthly Budget Builder
Assign every unit of income a job for the month.
The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.
Build a zero-based budget for next month. Take-home income by source and date: [INCOME]. Fixed bills with due dates and amounts: [FIXED_BILLS]. Variable spending last month by category, if known: [VARIABLE_SPENDING]. Irregular costs coming in the next three months: [IRREGULAR_COSTS]. Currency: [CURRENCY]. Produce a table with Category | Planned amount | Due date or week | Notes, grouped as Fixed, Variable, Irregular (set aside monthly), and Goals. Make planned amounts add up exactly to my income, so that the total left unassigned is zero, and show the arithmetic at the bottom. Where my numbers are missing, use a clearly marked placeholder estimate rather than inventing a figure, and list the three categories where a better number would change the plan most. Add a week-by-week cash flow view so bills are not paid before income arrives. Then give a five-minute weekly check routine. Do not suggest investments. Add a worked example with invented numbers so the format is clear: take-home income of 3,200 in two payments, fixed bills of 1,450, variable categories, an irregular set-aside of 180, and goals of 250, with every line summing to the income and the unassigned amount shown as zero. Label it as an illustration and tell me to overwrite it with my numbers. Add a short method for the first month's adjustment: record actual spending against each line weekly, move money between lines only by writing down the reason, and review the three largest variances at month end. Include a rule for what to do when income is lower than planned (reduce variable lines first, never skip a fixed bill without contacting the biller) and a note that the plan teaches a method and is not advice about my specific situation. You are teaching, not advising. Avoid telling me what to buy or sell, and note where a qualified professional should check tax or legal points for [JURISDICTION].
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