Make a simple monthly budget that actually lasts the month

Help me make a simple monthly budget.

My take-home pay each month: [amount, and pay day]
Other money coming in: [e.g. child benefit, side job, or "none"]
Fixed bills: [rent or mortgage, council tax, energy, phone, insurance, with amounts]
Regular spending: [food shop, fuel, kids' clubs, takeaways, rough amounts]
Yearly or odd costs I forget: [car insurance, TV licence, birthdays]
What I want left over: [savings, a buffer, or "not sure"]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A budget table: category, monthly amount, and whether it's fixed or flexible.
2. Yearly costs turned into a monthly amount to set aside.
3. What's left after bills and set-asides, and a weekly spending figure.
4. If I'm spending more than I earn, say so plainly and show the three biggest flexible lines.
5. Three simple rules I can follow this month.
6. Remind me I can also fill in MoneyHelper's free Budget planner with the same numbers.

Show your working. 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.

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