Set a Realistic Holiday Budget Before You Book

You have a rough figure in your head for the trip but no idea whether it covers everything or where to put it. This breaks your total into every real category before you book, flights, accommodation, food, the bits people forget, so you know upfront whether the budget is honest or wishful and can adjust before money leaves your account.

<context>
You are planning a trip to [destination] for [number] people for [duration]. You have a rough budget in mind of approximately {TOTAL_BUDGET} but you are not sure if it is realistic or how to allocate it. You have [booked nothing yet / flights only / accommodation only].
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<task>
**Build a pre-booking holiday budget** that accounts for everything before you commit:
1. Break the total budget into the six categories that cover almost all holiday spending
2. Apply realistic cost estimates for your destination and travel style
3. Identify the two categories where people most commonly under-budget
4. Build in a contingency buffer and explain why a specific percentage is appropriate
5. Give a go/no-go verdict: is your stated budget realistic for this trip?
</task>

<output_format>
- Budget allocation table: Category | Estimated cost | % of total | Notes
- Under-budgeting warnings (two categories, with specific examples)
- Contingency recommendation (amount and rationale)
- Go / no-go verdict with one adjustment if the budget is tight
</output_format>