Prioritise Competing Savings Goals With Limited Income

Deposit, holiday, new car, the kids' fund: all pulling at one monthly surplus that won't stretch to cover them all. List your goals with targets, balances, deadlines and how much each matters, plus your surplus, and it ranks them and hands you a monthly allocation. Suits anyone trying to fund several things at once without short-changing the one that matters most.

I have multiple savings goals competing for the same limited monthly budget and need help deciding how to allocate money between them. My goals are:

{GOALS_LIST}

For each goal I've noted: the target amount, current balance, deadline, and emotional priority (high/medium/low). My total monthly surplus after essential expenses is {MONTHLY_SURPLUS}.

Please help me decide on a monthly allocation strategy by: (1) ranking goals using a combination of urgency, deadline proximity, and financial importance, (2) calculating minimum viable monthly contributions to keep each goal on track, (3) recommending which goal to pause or deprioritise if the budget is too tight, (4) modelling two or three allocation scenarios with trade-offs explained, and (5) suggesting a review cadence. Present the recommendation as a decision matrix.