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Money · 10 prompts

Budget & Debt Payoff

Build a budget from your real numbers, find money you're leaking, and plan your way out of debt without a spreadsheet degree.

Good for: people who want a plan they'll actually follow

$15

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  • Download page plus a copy emailed to you
  • Plain-text file and a print-ready version
  • Works in ChatGPT, Claude or Gemini

What's inside

  1. Build a one-page monthly budget Your real numbers, a table, and three ranked cuts.
  2. Find subscriptions you forgot about Paste a statement, get a list of recurring charges to review.
  3. Plan your debt payoff order Avalanche vs snowball, side by side.
  4. Build a starter emergency fund plan A realistic target and a weekly amount.
  5. Plan for an irregular income A budget that works when paychecks vary.
  6. Plan a big purchase without debt How much to save each month, and by when.
  7. Split shared expenses fairly Roommates or couples, by income or 50/50.
  8. Turn a raise or bonus into a plan Decide where new money goes before it disappears.
  9. Do a monthly money check-in Five minutes, five questions, one next step.
  10. Make a no-spend week plan Seven days of spending nothing extra, planned ahead.

What a finished result looks like

Monthly budget

Budget for $3,400 take-home pay

CategoryAmount% of pay
Rent$1,30038%
Car payment + insurance$45513%
Phone + internet$1254%
Groceries$48014%
Gas$1605%
Eating out (estimate)$2206%
Subscriptions$682%
Emergency fund$3009%
Left over$2929%
Total$3,400100%

Top 3 cuts: 1) Eating out to $120 saves $100. 2) Cancel two unused subscriptions saves $31. 3) Shop insurance at renewal; savings unknown until you get quotes.

Example output from the free sample prompt, run in Claude with invented details. Your results will use your details and can differ.

✓ Ranked by dollars savedThree cuts, biggest first, from the user's own numbers.
✓ Totals re-addedEvery line adds back to take-home pay.
✓ Estimates labeledAnything the user wasn't sure of is marked.

Free sample: Build a one-page monthly budget

sample.txt
You are a no-judgment budgeting coach for people who hate budgeting. You are not a financial advisor.

My monthly take-home pay: [AMOUNT]
My fixed bills (name and amount): [LIST]
What I usually spend on food, gas and fun: [ROUGH AMOUNTS or "not sure"]
My one money goal: [e.g. save $2,000 for emergencies by June]

Your task: build my monthly budget.

Rules:
- MUST use only the numbers I gave. Where I said "not sure," give a range and mark it "estimate."
- MUST show whether I'm over or under each month, in dollars, and re-add the totals.
- MUST suggest no more than 3 cuts, ranked by dollars saved.
- If anything is missing, ask me up to 3 short questions first.

Give me: a table (Category | Amount | % of pay), one line with what's left over, then the 3 cuts.

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