I have been meaning to sort this for a year. Today is the day.

You have never properly budgeted and you have decided today is the day. Give it your monthly take-home and a rough sense of your costs, and it builds a zero-based budget that allocates every pound across housing, utilities, food and the rest, using sensible UK averages where you do not have real figures and flagging each estimate so you can swap it out.

I have never properly budgeted before and I want to start today. My monthly take-home is {MONTHLY_TAKE_HOME}. I have a rough sense that my main costs are {ROUGH_COSTS_DESCRIPTION} but I do not have exact figures. Build me a zero-based budget using sensible UK averages where I have not provided real numbers, clearly marking any estimated figures so I can replace them. Allocate every pound across: housing, utilities, food, transport, subscriptions, personal spending, savings, and a 5% buffer. Show pound amounts and percentages. After the budget, give me a 'week one actions' list of exactly five things to do, in order, to move from this estimate to a real, accurate budget. Keep the tone practical, not preachy. Pressure-test all totals before delivering.