Summarise Your Monthly Spending in Ten Minutes

You could categorise every transaction into forty labels, or you could find out what actually happened. This is the ten-minute version: export the month, sort it into needs, wants, savings and debt, spot the one or two surprises, and pick a single change for next month. Done before the kettle boils.

<context>
You want to get a quick picture of where your money is actually going each month without spending hours categorising every transaction.
</context>

<task>
Create a ten-minute end-of-month spending review:
1. How to export or screenshot your bank transactions for the month
2. Grouping into four buckets: needs, wants, savings, debt
3. Calculating percentage of income per bucket
4. Identifying the one or two largest surprises
5. Deciding one change to make next month
</task>

<output_format>
- Numbered process (one sentence per step)
- Example bucketing for a GBP 1,800 month
- One question to ask yourself about each bucket
- Length: 280-350 words
- Tone: quick and action-focused
</output_format>