You just got a pay rise and already have no idea where it went

The pay rise landed and somehow it has already gone. Tell it the increase, your new take-home and your current outgoings, and it builds a zero-based budget that gives every extra pound a job: essentials, savings, debt, lifestyle, sinking funds. Each category shows the amount and the percentage, so the rise actually moves something.

I just received a pay rise of {NEW_MONTHLY_TAKE_HOME_INCREASE} per month, bringing my total take-home to {TOTAL_MONTHLY_TAKE_HOME}. My current monthly outgoings are roughly {CURRENT_MONTHLY_SPEND}. Build me a zero-based budget that allocates every pound of the increase before I accidentally spend it. For each category (essentials, savings, debt repayment, lifestyle, sinking funds), show the pound amount and percentage. Include a 5% buffer line. Then write a one-paragraph 'lifestyle creep risk' note telling me which categories are most likely to silently expand over the next 6 months and what guardrails to set now. Pressure-test the totals before delivering.