AI 프롬프트: 예산 편성

Here is my financial situation:

Monthly income (after tax): [amount]
Fixed expenses: [list rent, utilities, insurance, subscriptions with amounts]
Variable expenses: [list groceries, gas, dining, entertainment with estimates]
Debt payments: [list debts with minimum payments]
Savings goals: [list goals with target amounts and timelines]

Create a complete monthly budget that:
1. Categorizes every expense and calculates percentages of income
2. Identifies the top 3 areas where I'm likely overspending
3. Suggests a specific dollar amount to allocate to each category
4. Builds in a realistic "fun money" buffer so I actually stick to it
5. Recommends which budgeting method fits my situation (50/30/20, zero-based, envelope, etc.) and why
6. Provides a weekly spending tracker template I can use immediately

Here are my expenses from the last [month/3 months]:

[Paste bank statement categories or list expenses by category with totals]

My income: [monthly after-tax amount]
My biggest financial frustration: [describe]

Perform a spending audit:
1. Rank my expense categories from highest to lowest as percentage of income
2. Flag any category that exceeds typical benchmarks and by how much
3. Identify 5 specific cuts I could make with estimated monthly savings
4. Separate "easy wins" (painless cuts) from "hard choices" (lifestyle changes)
5. Calculate how much I'd save in 12 months if I made just the easy wins
6. Suggest one spending swap per category that maintains quality of life

Here are my current debts:

[List each debt with: name, balance, interest rate, minimum payment]

Monthly income: [amount after tax]
Monthly expenses (excluding debt payments): [amount]
Extra I could put toward debt each month: [amount]

Build me a debt payoff plan:
1. Compare avalanche method (highest interest first) vs. snowball method (smallest balance first) with exact timelines and total interest paid for each
2. Recommend which method is best for my specific situation and why
3. Create a month-by-month payment schedule for the first 6 months
4. Identify any debts worth consolidating or refinancing
5. Calculate my debt-free date with the recommended plan
6. Suggest one way to find an extra $100-200/month to accelerate payoff

Here are my recurring bills:

[List bills: provider, service, current monthly cost, how long I've been a customer]

Services I'm considering canceling: [list]
Services I want to keep but pay less for: [list]

Help me negotiate lower bills:
1. For each bill, write a word-for-word script I can use when calling to negotiate
2. Include the best day/time to call and which department to ask for
3. List competing offers I can reference as leverage
4. Identify which bills have the highest negotiation success rate
5. Suggest alternatives for services where negotiation typically fails
6. Calculate my total potential monthly savings if all negotiations succeed

We need to build a shared household budget:

Partner 1 income: [amount after tax]
Partner 2 income: [amount after tax]
Shared expenses: [list with amounts]
Individual expenses each partner wants to keep: [list]
Shared financial goals: [list with target amounts]
Current approach: [how we split things now]
Biggest money disagreement: [describe]

Design a household budget system:
1. Recommend a fair split method based on our income difference (50/50, proportional, or hybrid) with reasoning
2. Create a shared expenses plan with specific contributions from each partner
3. Set individual "no-questions-asked" spending allowances
4. Build a shared savings plan for our goals with monthly contributions
5. Design a monthly "money date" agenda to review finances together without conflict
6. Include a system for handling unexpected expenses

I want to start a zero-based budget from scratch.

Monthly take-home pay: [amount]
Bank account balance right now: [amount]
Upcoming known expenses in the next 30 days: [list with amounts]
Financial priorities: [rank these - debt payoff, emergency fund, saving, investing, lifestyle]

Build me a zero-based budget:
1. Assign every single dollar of my income a specific job until the balance is $0
2. Prioritize categories based on my stated priorities
3. Include sinking funds for irregular expenses (car repairs, holidays, medical)
4. Create a "first of the month" checklist to set up each month's budget
5. Design a system for handling income that varies month to month
6. Include a mid-month checkpoint to adjust if I'm over or under in any category