AI 提示詞： 預算的管理運作

Here's my budget vs. actual spending this month:

Budgeted amounts by category: [list categories with budgeted amounts]
Actual spending by category: [list categories with actual amounts]
Income received: [amount]
Savings contributed: [amount]
Unexpected expenses: [list]

Conduct a monthly budget review:
1. Calculate the variance (over/under) for each category with percentages
2. Identify the 3 biggest overspending categories and likely causes
3. Highlight categories where I underspent and whether that money should be reallocated
4. Suggest specific adjustments for next month's budget based on this month's patterns
5. Rate my overall budget adherence on a 1-10 scale with justification
6. Set 2 concrete financial goals for next month based on this review

I need a system to track my daily spending.

My budget categories: [list your categories]
Tools I currently use: [spreadsheet/app/pen and paper]
Biggest tracking challenge: [what makes me stop tracking]
How much time I'll spend tracking daily: [minutes]

Design a spending tracking system:
1. Create a simple daily logging template I can fill out in under [X] minutes
2. Set up weekly check-in prompts that take 5 minutes
3. Build category codes or shortcuts for faster logging
4. Design alerts or thresholds for each category (e.g., "flag when dining exceeds $X")
5. Include a system for handling shared expenses and reimbursements
6. Suggest the simplest tool/app that matches my tracking style

My budget has fallen apart and I need to get back on track.

Original budget: [paste or describe your planned budget]
What actually happened: [describe where things went off track]
Current financial state: [account balances, upcoming bills]
How long since I last followed my budget: [timeframe]
What triggered the budget breakdown: [unexpected expense, life change, motivation loss]

Help me rescue my budget:
1. Assess the damage — where do I actually stand financially right now
2. Create a "triage budget" for the next 2 weeks to stabilize
3. Identify which parts of my original budget were unrealistic
4. Rebuild a simpler budget with fewer categories (max 8)
5. Design a "restart ritual" I can do this weekend to reset
6. Build in circuit breakers — early warning signs that the budget is slipping again

I need to adjust my budget for seasonal changes.

Current monthly budget: [list categories and amounts]
Upcoming season: [holiday season / summer / back-to-school / tax season]
Known upcoming expenses: [list with estimates]
Historical spending spikes: [what I overspent on last year during this period]
Income changes: [any seasonal income variations]

Create a seasonal budget adjustment plan:
1. List every seasonal expense I should expect with estimated amounts
2. Create a monthly "sinking fund" schedule to save for these expenses in advance
3. Identify which regular budget categories to temporarily adjust and by how much
4. Design a spending plan for gift-giving or holiday expenses with per-person limits
5. Build a post-season recovery budget to get back to baseline
6. Calculate the total seasonal cost impact and compare to my annual budget

Here are all my current subscriptions and memberships:

[List each with: name, monthly/annual cost, how often I actually use it, what I use it for]

My monthly subscription budget limit: [amount]

Conduct a subscription audit:
1. Calculate my total monthly subscription cost
2. Rank each subscription by cost-per-use (actual usage, not intended usage)
3. Identify subscriptions I'm paying for but rarely using (less than 2x per month)
4. Suggest cheaper alternatives for expensive subscriptions
5. Flag overlapping subscriptions that do similar things
6. Create a "keep, downgrade, cancel" recommendation with projected monthly savings

I need to understand and optimize my cash flow timing.

Pay schedule: [weekly/biweekly/monthly, specific dates]
Major bills and due dates: [list each bill with due date and amount]
Variable income sources: [list any additional income with timing]
Current pain point: [running low before payday / bills clustered together / etc.]

Optimize my cash flow:
1. Map out a monthly cash flow timeline showing income in and expenses out by date
2. Identify "danger zones" where my account balance dips lowest
3. Suggest which bill due dates to change and to what dates (with how to request the change)
4. Create a pay-period budget that splits expenses across paychecks
5. Design a buffer system to prevent overdrafts
6. Calculate the minimum checking account balance I should maintain as a float