Home · Money & bills · Make a cost-of-living survival plan for a tight month
Make a cost-of-living survival plan for a tight month
This month the numbers don't work. Get a calm triage: priority bills, what to cut, and where to seek free help.
The prompt · ChatGPT
Help me make a cost-of-living survival plan for a tight month. Income this month: [amount] Priority bills: [rent/mortgage, council tax, energy, and amounts] Other bills: [list] Already late: [which] Dependents: [details] Any crisis: [bailiffs, disconnection risk, none] Ask me up to 3 short questions first if anything important is missing. Wait for my answers. Then: 1. A triage order: what to pay first and why, in plain words. 2. Flexible spending to cut this month. 3. Who to contact for each priority bill (general wording for hardship teams). 4. Free help to check now: MoneyHelper Debt advice locator, Citizens Advice, GOV.UK cost of living support — without saying what I'll get. 5. A one-week action list. If crisis flags appear, lead with free debt advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English. Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.
A short example
Fill the blanks, then paste. amount: a short note you already have. rent/mortgage, council tax, energy, and amounts: a short note you already have. Leave the rest of the prompt as written.
This does not give tax advice. The books stay in the accounting system.
Loading the outline…