Organise these expenses into rent/mortgage, utilities, food, transport, debt, insurance, health, family, irregular and discretionary categories. Show monthly total, annualised irregular costs and three low-risk questions to ask before cutting anything. Do not give investment or debt advice.How to use it
Useful for retirees, households and self-employed users trying to understand spending.
Expected result
A simple budget narrative from messy expenses.
Human review note
Keep advice general and encourage regulated support where needed.