You moved in together three months ago and have not once talked about money

You moved in together three months ago and the money conversation keeps not happening. Give both incomes, the combined take-home and your fixed costs. You get a zero-based budget allocating every pound across joint essentials, individual spending, joint and individual savings and a shared buffer, shown two ways so you can see how the split lands.

My partner and I have just moved in together. Our combined monthly take-home is {COMBINED_TAKE_HOME} (Partner A earns {PARTNER_A_INCOME}, Partner B earns {PARTNER_B_INCOME}). Monthly fixed costs are {FIXED_COSTS_LIST}. Build a zero-based budget that allocates every pound across: joint essentials, individual spending money, joint savings, individual savings, and a 5% shared buffer. Show two versions: one splits costs proportionally by income, the other splits 50/50. For each version show pound amounts and percentages. Add a short 'conversation starter' section with three specific questions we should agree on before finalising: cover what happens if one person loses their job, how we handle unexpected bills, and personal spending autonomy. Pressure-test all totals.