Organise household spending, plan bills, compare supplied costs and prepare questions for a qualified adviser. No investment picks, tax advice or automated transactions.
Refreshed 9 October 2026 · Original prompt templates
Analyse this anonymised transaction export for [month] using these category definitions [definitions]. Check date coverage, currency, duplicate rows, refunds and transfers between my own accounts before totalling spending. Do not count an internal transfer as a new expense or count a card purchase and its repayment twice. Show category totals, uncategorised items and a reconciliation to the supplied totals. Ask before classifying ambiguous merchants. Return a worksheet and questions, not judgements about my spending or financial advice.
Make it yours: Remove names, account numbers, references and transactions you do not want to share; synthetic figures work too.
A useful follow-up
Compare with last month using the same categories and separate one-off purchases from recurring changes.
02
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Make a bill calendar so I know what is due before payday
Use these bill amounts, due dates, payment statuses and income dates [redacted list] to draft a household bill calendar for [month]. Separate paid, due and uncertain items. Show the running balance using my supplied opening balance, with formulas and assumptions. Flag any apparent shortfall or missing date; do not decide which essential bills to skip, recommend borrowing or invent grace periods. Give me questions for the provider or an appropriate local money adviser. Do not pay or change anything.
Make it yours: Check the balance and dates yourself; never share banking credentials.
A useful follow-up
One bill is annual, not monthly. Correct the schedule and show exactly which totals change.
03
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How much would we need to set aside for our holiday?
Our holiday target is [amount] by [date], and we have already set aside [amount]. Using our supplied household budget [figures], calculate the remaining amount and a weekly or monthly contribution under explicit date assumptions. Show the arithmetic and whether the plan fits our stated essentials and buffer. If it does not fit, compare changing the target or date, not taking a loan or cutting necessities. Do not recommend financial products or promise interest returns.
Make it yours: Keep this to arithmetic and options using your own figures, not an assessment of financial suitability.
A useful follow-up
Recalculate for a later date and explain the trade-off without assuming our income will rise.
04
Files
Find subscriptions in my spending list that I should review
Use this anonymised spending list and my notes on what I use [notes] to identify possible recurring subscriptions. Show evidence of recurrence, amount, frequency and annualised cost only where the period is known. Flag possible duplicate services and unknown renewal terms. Do not label a merchant a subscription from its name alone or cancel anything. Return a review checklist with usage and cancellation questions for me to check against each contract.
Make it yours: Do not share login details; annualised cost is an estimate, not a verified cancellation saving.
A useful follow-up
I confirmed these services are monthly. Recalculate and draft a cancellation enquiry for the one I choose, without sending it.
05
Files
Compare these two electricity offers using my actual usage
Compare these two supplied electricity offers for [country and contract dates] using my annual usage [units]. Extract fixed charges, unit rates, taxes or fees as stated, term, variable-rate clauses and exit conditions. Show formulas and identical usage assumptions. Keep missing terms visible; do not invent current tariffs, legal rights or future prices. If the offers are not comparable, say what information I need. Do not switch providers or claim the cheapest quote is guaranteed cheapest over time.
Make it yours: Remove customer IDs and supply the full terms, not only an advertised monthly estimate.
A useful follow-up
What changes if usage differs by [percentage], using the same supplied rates?
06
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Prepare questions for our mortgage-adviser appointment
Help us prepare for a mortgage-adviser appointment in [country]. Our questions concern [topics] and our relevant high-level circumstances are [minimal details]. Organise questions about total cost, fees, rate changes, repayment, flexibility and what happens if circumstances change. Mark which answers require qualified, current local advice. Do not calculate borrowing eligibility, choose a mortgage or give tax or legal advice. Make a short meeting agenda with space for the adviser's answers.
Make it yours: Use approximate or synthetic figures; do not upload identity documents, full financial files or account numbers.
A useful follow-up
Explain the terminology in this adviser's written answer without recommending a product or removing its caveats.
07
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Split our shared household costs using the rule we agree on
We want to compare ways to split these shared household expenses [list]. Our agreed options are equal shares and proportional shares using these supplied contribution figures [figures]. Calculate each option transparently, handle rounding and distinguish shared from personal expenses as we define them. Do not decide what is fair for us or infer control over another person's money. Return a neutral comparison and questions we should discuss. Do not transfer money.
Make it yours: Get agreement about what to share and use anonymised figures.
A useful follow-up
Show how the totals change if we exclude this personal expense, keeping the same contribution rule.
08
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Help me prepare for a free debt-support conversation
Help organise a factual summary for a qualified local debt-support adviser. Here are approximate balances, due dates, known terms and my questions [redacted details]. Separate verified amounts from uncertain fees and missing documents. Make a checklist of what to ask and what records to obtain. Do not choose a repayment priority, recommend consolidation or provide legal, insolvency or credit advice. If I need a service, help identify official local routes only when browsing is available; do not invent contacts.
Make it yours: Do not share account numbers or credentials. Seek timely qualified support for urgent payment or legal deadlines.
A useful follow-up
Turn the summary into a one-page appointment checklist without inventing a repayment plan.