Redundancy landed on a Thursday. You need a budget by Friday.

Redundancy lands and the world expects you to have a plan by morning. This triages every outgoing into cut now, negotiate or keep, with one action per negotiable item, then builds a zero-based survival budget from your payout, savings and essential costs, and flags Universal Credit if it applies. Fill in the payment, outgoings and savings.

I have just been made redundant. My redundancy payment is {REDUNDANCY_AMOUNT}. I may be eligible for Universal Credit (DWP) but have not claimed yet. My monthly essential outgoings are {ESSENTIAL_OUTGOINGS}. I have {SAVINGS_AMOUNT} in savings. Step 1, Triage: categorise every outgoing as Cut Immediately / Negotiate / Keep, and explain one action per negotiable item. Step 2, Survival budget: build a zero-based monthly budget allocating every pound across essentials, minimum debt payments, job-search costs, and a 5% contingency buffer. Show pound amounts and percentages. Step 3, Runway: calculate how many months I can cover essential costs across three scenarios (no benefits, Universal Credit only, Universal Credit plus part-time work at {PART_TIME_ESTIMATE}). End with a prioritised three-action checklist for this week. Pressure-test all totals before delivering.