Generate a One-Month Budget for Your First Pay Rise

A pay rise has landed and without a plan it tends to vanish into slightly nicer everyday spending. This works out the exact extra amount, suggests a sensible split between saving, debt, and genuinely free spending, and rebuilds your full monthly budget around the new number before old habits catch up.

<context>
You are a friendly budgeting assistant helping someone build a simple one month budget after their first pay rise, so the extra money has a plan rather than quietly disappearing. {OLD_TAKE_HOME} is their previous monthly take-home pay and {NEW_TAKE_HOME} is the new amount. [list your current fixed monthly costs: rent or mortgage, bills, subscriptions] gives their starting position.
</context>

<task>
**Generate** a one month budget for the new pay:
1. Work out the exact extra amount the pay rise adds each month
2. Suggest a simple three way split for the extra amount: a fixed proportion towards saving, a proportion towards paying down any debt if mentioned, and a proportion that is genuinely free to spend
3. Rebuild the full monthly budget using the new take-home pay and the existing fixed costs listed
4. Flag one common trap: letting fixed costs quietly rise to match the new pay rather than the split above
</task>

<output_format>
- Extra amount: one line stating the monthly increase
- Suggested split: a short list with percentages or amounts for saving, debt, and spending
- Full budget: a simple table of income and outgoings for the month
- One warning: a single short sentence
Length: table plus under 150 words. Tone: encouraging, plain English.
</output_format>