Summarise Your Financial Position Before a Major Life Decision

The decision involves money and you are making it without a clear picture of your actual financial position. This is not budgeting software; it takes a plain account of your numbers and produces a structured summary: your monthly surplus, your liquid cushion, how the decision changes those two things, and whether the numbers as described support or constrain what you are thinking of doing.

Describe your current financial position plainly: monthly income, fixed outgoings (rent or mortgage, bills, subscriptions, regular commitments), variable spending average, savings (amount and accessibility), debts (amount and monthly cost), and any upcoming financial changes in the next twelve months. Then name the major life decision you are weighing. Produce a structured financial summary under 250 words covering: your current monthly surplus or deficit, your liquid cushion in months of outgoings, how the life decision would change those two numbers, and whether the numbers as described support, constrain, or rule out the decision as currently structured. If you do not have all the numbers, note which ones are missing and why they matter.