Budgeting

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.

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.

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.

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.