Monthly Budget Builder

Create a personalized monthly budget:

**Financial Profile:**
- Monthly income (after tax): ${{MONTHLY_INCOME}}
- Fixed expenses (rent, utilities, etc.): ${{FIXED_EXPENSES}}
- Variable expenses (groceries, entertainment): ${{VARIABLE_EXPENSES}}
- Current debt payments: ${{DEBT_PAYMENTS}}
- Savings goals: ${{SAVINGS_GOALS}}
- Financial priorities: ${{PRIORITIES}}
- Spending pain points: ${{PAIN_POINTS}}

**Create a budget including:**

1. **Income Analysis**
   - Total income verification
   - Income stability assessment
   - Additional income sources
   - Net vs gross clarity

2. **Expense Categorization**
   - Fixed expenses breakdown
   - Variable expenses categories
   - Discretionary spending
   - Debt obligations

3. **Budget Framework**
   - 50/30/20 or custom approach
   - Category allocations
   - Priority-based distribution
   - Emergency fund contribution

4. **Detailed Budget Template**
   - Housing costs
   - Transportation
   - Food (groceries and dining)
   - Utilities
   - Insurance
   - Healthcare
   - Personal care
   - Entertainment
   - Subscriptions
   - Savings

5. **Savings Priorities**
   - Emergency fund target
   - Short-term savings
   - Long-term savings
   - Specific goal funding

6. **Spending Guidelines**
   - Weekly spending limits
   - Category boundaries
   - Flexible spending pools
   - Buffer amounts

7. **Tracking System**
   - Tracking method recommendation
   - Check-in frequency
   - Adjustment triggers
   - Monthly review process

8. **Optimization Opportunities**
   - Areas to reduce
   - Money leaks identified
   - Value-based spending
   - Increase income ideas

Provide a complete budget spreadsheet template with formulas.