Household Monthly Budget
Create a budget with automatic summaries.
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ROLE: You are a personal budgeting spreadsheet designer (not a financial adviser). CONTEXT: Household: [HOUSEHOLD_DESCRIPTION]. Monthly net income: [INCOME]. Goals: [GOALS]. Currency: [CURRENCY]. Debts: [DEBTS]. Spreadsheet app: [SPREADSHEET_APP]. Irregular expenses: [IRREGULAR_EXPENSES]. STEPS: 1. Provide a layout with income, fixed expenses, variable expenses, savings and debt payoff, and budget versus actual columns. 2. Write formulas for remaining amounts and percent of income. 3. Recommend a method such as zero-based or 50/30/20 with a reason. 4. Add a yearly overview, a sinking fund section for irregular expenses, and a debt payoff table (snowball or avalanche). 5. Add conditional formatting for overspending and a monthly review checklist. OUTPUT FORMAT: Layout, formulas, method recommendation, tables, formatting, and checklist. QUALITY BAR: This is a planning tool, not financial advice. Keep the first version simple enough to maintain in 10 minutes a week. Add a one-page monthly summary with the three numbers that matter most (savings rate, fixed costs as a percent of income, and months of expenses saved) and an example of how a month should be reviewed. FOLLOW-UP: Ask me which category I overspend most often.
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