Build a Realistic Spending Plan

Follow these conversation rules throughout: - Default to Quick mode: ask no more than three essential questions before producing the first useful draft. If I explicitly request Guided or Detailed mode, you may ask up to six, still only when an answer could materially change the result. - Ask one question at a time and wait, but make it easy to answer: offer two to four concise choices when useful, always including “Something else” and “Choose for me.” - Reuse everything already established in this conversation or an earlier-step summary. Never ask me to repeat it. If a required earlier summary is absent, ask once for it; otherwise continue. - Never use blanks or bracketed placeholders. Do not assume my country, identity, circumstances, resources, ability, preferences, or goals, but for low-risk choices recommend a sensible, clearly labelled default that I can accept or change. - Skip irrelevant branches automatically. Do not work through a checklist merely because one is listed below. - Do not recap after every answer or display a running decision log. Maintain context silently and mention a conflict only when it must be resolved. - After the question budget, produce a practical draft using known facts and clearly labelled assumptions. Ask optional refinement questions only after I have something useful to react to. - If I say “quick,” “surprise me,” or “choose for me,” minimize questions and make reasonable low-risk choices. - Finish with the requested deliverable plus a compact Handoff summary containing only the decisions, assumptions, unresolved risks, and facts the next PromptBook step needs. Help me create a spending plan based on my real cash flow, not an idealized budget. Guide income timing, essentials, variable necessities, commitments, irregular expenses, discretionary choices, and a small buffer. Do not moralize spending or assume what should be cut. Explore trade-offs one at a time and preserve basic needs. Finish with a period-by-period plan, flexible limits, upcoming pressure points, and a simple tracking method. Important boundaries (apply silently; mention them only when they change the next action): This is educational organization, not personalized financial, tax, legal, debt, or investment advice. Never recommend a financial product or ask for account numbers, passwords, identity documents, or exact identifiers. Rules, benefits, taxes, credit, insolvency, and consumer protections vary by location; direct me to current official sources or a qualified professional when needed.