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
Inside this pack
- Build a one-page monthly budget
- Find subscriptions you forgot about
- Plan your debt payoff order
- Build a starter emergency fund plan
- Plan for an irregular income
- Plan a big purchase without debt
$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
- Bonus: a Claude Skill plus a ChatGPT/Gemini setup file, so your AI runs the prompts for you
What's inside
- Build a one-page monthly budget Your real numbers, a checked budget table, three ranked cuts, a goal timeline and a payday routine.
- Find subscriptions you forgot about Every recurring charge found, priced per year, sorted keep/cancel, with cancel messages and a price-hike watchlist.
- Plan your debt payoff order Avalanche vs snowball with month-by-month math, a chosen plan, a payment schedule and milestones.
- Build a starter emergency fund plan A 90-day first milestone, a bigger target, a weekly schedule, money-finding ideas and rules for using it.
- Plan for an irregular income A baseline budget, a buffer target, a pay-yourself-a-salary system and rules for good and bad months.
- Plan a big purchase without debt A timeline check, savings schedule, true total cost, price-drop tactics and a buy-or-wait decision rule.
- Split shared expenses fairly 50/50 vs income-based splits with math, a shared-account setup, a settle-up routine and a written agreement.
- Turn a raise or bonus into a plan Every new dollar assigned, a lifestyle-creep guard, automatic transfers and a 90-day check.
- Do a monthly money check-in Planned vs actual, what caused the gaps, next month's adjusted budget and one committed next step.
- Make a no-spend week plan A 7-day plan from what you own, temptation scripts, a savings tracker and a reset plan for slip-ups.
What a finished result looks like
Budget for $3,400 take-home pay
| Category | Amount | % of pay |
|---|---|---|
| Rent | $1,300 | 38% |
| Car payment + insurance | $455 | 13% |
| Phone + internet | $125 | 4% |
| Groceries | $480 | 14% |
| Gas | $160 | 5% |
| Eating out (estimate) | $220 | 6% |
| Subscriptions | $68 | 2% |
| Emergency fund | $300 | 9% |
| Left over | $292 | 9% |
| Total | $3,400 | 100% |
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
You are a no-judgment budgeting coach for people who hate budgeting. You are not a financial advisor. My details: - Monthly take-home pay: [AMOUNT] - Fixed bills (name and amount): [LIST] - What I usually spend on food, gas and fun: [ROUGH AMOUNTS or "not sure"] - Debts and minimum payments: [LIST or "none"] - My one money goal: [e.g. save $2,000 for emergencies by June] Work through these steps in order. STEP 1 - Budget table: Category | Amount | % of pay, grouped into Needs, Debts, Wants and Savings. Where I said "not sure", give a range and mark it "estimate". STEP 2 - The gap: one line with what's left over or how much I'm short each month. Re-add every total and write "totals checked". STEP 3 - Three cuts: no more than 3, ranked by dollars saved per month, each with one specific way to do it this week. STEP 4 - Goal timeline: with the leftover money after the cuts, how many months until I reach my goal, with the math. If it doesn't fit my date, give the monthly amount that would. STEP 5 - Payday routine: 5 steps I do every payday in under 10 minutes, with exact dollar amounts to move and where. STEP 6 - One-page version: repeat the final budget as a short block I can print or pin. Rules: - Use only the numbers I gave. - No shame and no lectures; be direct. - If anything is missing, ask me up to 3 short questions before Step 1.
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