Where does it actually go?
Most money stress is not overspending, it is not knowing. Payments leave the account with names like "SP*DIGITAL LTD" and the month is gone before anyone looks.
These prompts turn a vague worry into a page you can read: what comes in, what goes out, what you forgot you were paying for, and what changing one thing would actually do.
What is in the pack
| Section | Prompts | Examples |
|---|---|---|
| Seeing it clearly | 9 | First budget, categorising a statement, working out a true monthly cost |
| Cutting costs | 10 | Subscription audits, bill switching, negotiating a renewal, energy use |
| Saving with a purpose | 8 | A deposit, a holiday, Christmas, an emergency fund on a small income |
| Debt planning | 6 | Ordering repayments, understanding what you owe, what to ask a creditor |
| Big purchases | 7 | Comparing options honestly, running costs, buy vs repair vs replace |
| Income and admin | 5 | Side income planning, benefit and allowance checklists, tax basics to look up |
Not financial advice, and the prompts say so
Every prompt instructs the assistant to stay away from regulated territory: no investment recommendations, no debt solutions like IVAs, no telling you what product to buy. It also tells the assistant to point you at free UK help, such as Citizens Advice or MoneyHelper, when a question needs a person rather than a chatbot. Use these to understand your position and prepare questions, then take regulated advice for regulated decisions.
UK by default
Council tax, PAYE, direct debits, energy price caps, ISAs by name only. The assumptions are British so the answers are usable here.