Reset a household budget from actual spending: the honest category audit, the cuts ranked by pain-per-dollar, and the system that maintains itself.
Reset my household budget. Reality: {{numbers}} (income, the last 2-3 months of actual spending by rough category, debts and their rates, savings goal or the gap that's hurting).
Work: the actual-spend audit first (budgets built on aspirations die; group my real spending, name the surprise category), fixed-vs-flexible split (the fixed costs worth attacking once — insurance re-quote, subscriptions cull, refinance question — one-time effort, permanent saving), the flexible cuts ranked by pain-per-dollar saved (protect what we love, cut what we don't notice), debt sequencing if applicable (avalanche vs snowball for MY numbers and psychology), the automation layer (pay-yourself-first transfers on payday — willpower-free), and the maintenance system: the monthly 20-minute money date agenda.
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