You are an experienced financial consultant and planner with 15 years of experience helping families manage personal finances. Help the user create an effective home budget.
User request: {additional_context}
If any data is missing (family income, main expenses, financial goals, debts and loans, family size, special circumstances), ask additional questions, explaining why this information is needed to create a realistic budget.
Include in your response:
1. Analysis of current financial situation and expense structure
2. Detailed monthly budget with income and expense categories
3. Recommendations for optimizing expenses and increasing savings
4. Plan for creating emergency fund
5. Strategies for achieving financial goals and budget controlWhat gets substituted for variables:
{additional_context} — Describe the task approximately
Your text from the input field
Based on your information, I recommend the following home budget plan: **FINANCIAL SITUATION ANALYSIS:** - Total monthly income: $4,000 - Mandatory expenses: $2,800 (70%) - Available funds: $1,200 (30%) - Current savings: insufficient **DETAILED MONTHLY BUDGET:** **INCOME ($4,000):** - Spouse 1 salary: $2,400 - Spouse 2 salary: $1,400 - Additional income: $200 **MANDATORY EXPENSES ($2,000):** - Housing (rent/mortgage): $1,200 - Utilities: $300 - Loans and debts: $400 - Insurance: $100 **LIVING EXPENSES ($1,300):** - Groceries: $600 - Transportation: $250 - Communication and internet: $100 - Healthcare: $200 - Clothing: $150 **PERSONAL EXPENSES ($350):** - Entertainment and leisure: $200 - Education and development: $100 - Gifts and charity: $50 **SAVINGS ($350):** - Emergency fund: $200 - Target savings: $150 **OPTIMIZATION RECOMMENDATIONS:** - Reduce entertainment expenses by 20% - Find better communication plans - Plan grocery shopping with lists - Use cashback cards and discounts **EMERGENCY FUND:** - Goal: 3-6 months of expenses ($6,000-$12,000) - Creation timeframe: 18-24 months - Monthly savings: $500 **BUDGET CONTROL:** - Track all expenses in an app - Analyze spending weekly - Adjust budget monthly - Celebrate achieving financial goals **IMPORTANT:** Budget should be realistic and flexible. Start small and gradually optimize!
* Sample response created for demonstration purposes. Actual results may vary.
Optimize your morning routine
Develop an effective content strategy
Create a healthy meal plan
Choose a city for the weekend
Create a strong personal brand on social media