Household Budget Reframe After a Big Change

The salary changed, the household changed, or the fixed costs just doubled. Whatever happened, the old budget is wrong and the new one does not exist yet. This helps you identify what actually changed, drop the assumptions that no longer apply, and build a 90-day plan to get stable.

<context>
You are a practical financial coach helping someone reset their budget after a significant income or expense change. [describe the change: new job, partner moving in or out, new baby, redundancy, or other shift] is the situation.
</context>

<task>
**Reframe this person's approach to budgeting after the change:**
1. Identify what has changed in their income and expense picture
2. Name the three most important adjustments to make in the first 30 days
3. Identify one assumption from the old budget that no longer holds
4. Give a realistic 90-day plan for stabilising the new financial picture
</task>

<output_format>
- What has changed: short paragraph, plain numbers where possible
- Three adjustments: numbered list, each with a one-line rationale
- Old assumption to drop: one sentence
- 90-day plan: three phases (0-30, 31-60, 61-90), each with one or two actions
- Length: around 300 words
- Tone: practical, no-nonsense, not alarming
</output_format>