Reframe A Bad Month Of Overspending

The spending app shows red again and the story you are telling yourself is that you are simply bad with money. This looks at what actually happened, works out whether it was a one-off or a pattern, and gives you one specific change to try next month instead of a vague promise to do better.

<context>
You overspent this month by {OVERSPEND_AMOUNT} and have been replaying it as proof you are bad with money. You want a more useful way to think about it before setting next month's budget.
</context>

<task>
**Reframe the overspend more usefully:**
1. Restate what happened without the self-critical language
2. Identify the actual pattern behind the overspend (one-off event or recurring habit)
3. Offer one practical adjustment for next month rather than a vague resolution
4. Suggest how to track whether the adjustment worked
</task>
<output_format>
- A short neutral restatement of what happened
- One identified pattern
- One concrete adjustment with a way to measure it
</output_format>