Budgeting

Builds a holiday and gift budget with a recipient list, per-person limits, monthly sinking-fund amounts and ways to cut cost without cutting meaning.

Builds a monthly budget from stated income and expenses using zero-based, 50/30/20 or envelope rules, with savings targets, a buffer for irregular costs and a monthly review routine.

Builds a survival budget when income does not cover essentials, ranking priority bills, cuts, income options, help to check and how to contact creditors before arrears grow.

Categorises a bank or card transaction export into budget categories, totals each one, and flags subscriptions, fees, duplicate charges and spending spikes worth a closer look.

Finds savings in recurring household costs such as subscriptions, utilities, insurance, phone and groceries, ranked by savings and effort, with scripts for negotiating bills.

Acts as a calm, non-judgemental money coach who teaches budgeting, saving and debt habits with real numbers, and gives education rather than personalised investment advice.

Plans a couple's money conversation covering values, income and debt disclosure, joint versus separate accounts, shared goals and a recurring monthly money date.

Sets up a young adult's money for a first job - reading the payslip, a budget, an emergency fund, workplace pension or retirement enrolment questions and debt priorities.

Works out the monthly amount and timeline to reach a savings goal, checks whether it is realistic, and lays out the trade-offs that would get there sooner.

Designs a fair way for couples or housemates to split shared costs, comparing equal, income-proportional and usage-based splits with the maths and a simple tracking routine.