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Plan money for a new baby without buying everything new
Baby kit lists are endless. Get a phased budget: before birth, first three months and what can wait.
The prompt · ChatGPT
Help me plan money for a new baby. Due date or baby's age: [details] What we already have: [list] Comfortable buying second-hand: [yes/no/which items] Childcare plans in the first year: [rough] Total we can put toward kit and early costs: [amount] Ask me up to 3 short questions first if anything important is missing. Wait for my answers. Then: 1. A phased budget: before birth, first three months, later. 2. A buy-later or borrow list. 3. Ongoing monthly costs to expect in general terms (marked to check). 4. A simple tracker for the first month. 5. Point me to MoneyHelper or GOV.UK for benefits and entitlements to check, without assuming I qualify. 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. details: a short note you already have. list: 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.
The prompt · Gemini
Help me plan money for a new baby. Due date or baby's age: [details] What we already have: [list] Comfortable buying second-hand: [yes/no/which items] Childcare plans in the first year: [rough] Total we can put toward kit and early costs: [amount] Ask me up to 3 short questions first if anything important is missing. Wait for my answers. Then: 1. A phased budget: before birth, first three months, later. 2. A buy-later or borrow list. 3. Ongoing monthly costs to expect in general terms (marked to check). 4. A simple tracker for the first month. 5. Point me to MoneyHelper or GOV.UK for benefits and entitlements to check, without assuming I qualify. 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 Gemini chat. Leave extensions off, including Gmail and Drive.
A short example
Fill the blanks, then paste. details: a short note you already have. list: a short note you already have. Leave the rest of the prompt as written.
You say your due date or age of baby and what you already have.
The assistant asks about second-hand comfort and childcare plans.
You get a phased budget, a buy-later list and a one-month tracker.
What happens
Use Gemini to plan money for a new baby without buying everything new
Baby kit lists are endless. Get a phased budget: before birth, first three months and what can wait.
Tools
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