Fix My Budget in 30 Days

When you're drowning in bills and don't know what to pay first, this prompt creates an emergency budget plan. Find hidden money, prioritize bills, and build a realistic path to financial stability.

or press Ctrl+Shift+C

Prompt:

I need emergency help fixing my finances. I'm stressed and overwhelmed.

MY CURRENT SITUATION:
Monthly income after taxes: $[AMOUNT]
Rent/Mortgage: $[AMOUNT]
Car payment: $[AMOUNT]
Insurance (all types): $[AMOUNT]
Utilities (electric/gas/water): $[AMOUNT]
Phone: $[AMOUNT]
Internet: $[AMOUNT]
Minimum debt payments: $[TOTAL OF ALL MINIMUMS]
Other fixed expenses: [LIST WITH AMOUNTS]

Current debts:
[List each debt, balance, minimum payment, interest rate]

Money in bank right now: $[AMOUNT]
Days until next paycheck: [NUMBER]

CREATE MY SURVIVAL PLAN:

1. **IMMEDIATE CRISIS MODE** (Next 7 days)
- What bills MUST be paid to avoid disaster
- What can wait without serious consequences
- Exact order of priority
- Scripts for calling creditors if needed

2. **FIND HIDDEN MONEY FAST**
- 10 expenses I can cut TODAY (be specific)
- Subscriptions to cancel immediately
- Ways to reduce each bill (exact steps)
- Things I can sell quickly for cash
- Side money I can make this week

3. **30-DAY SURVIVAL BUDGET**
Daily spending limit: $[AMOUNT]
Weekly grocery budget: $[AMOUNT]
Gas/transport budget: $[AMOUNT]
Everything else: $[AMOUNT]

Break it down by week:
- Week 1: [Specific plan]
- Week 2: [Specific plan]
- Week 3: [Specific plan]
- Week 4: [Specific plan]

4. **DEBT TRIAGE PLAN**
- Which debts to pay minimum on
- Which to prioritize extra payments
- What happens if I miss payments (real consequences)
- How to negotiate with creditors
- Exact scripts to use when calling

5. **QUICK CASH STRATEGIES**
Legal ways to get money THIS WEEK:
- Items to sell (and where)
- Gig work I can start immediately
- Cash advance alternatives
- Community resources
- Payment plans available

6. **STOP THE BLEEDING**
- Automatic payments to cancel
- How to avoid overdraft fees
- Ways to stretch food budget
- Free alternatives to paid services
- Bill due date changes to request

7. **REBUILD PLAN** (Days 31-90)
- Realistic monthly budget going forward
- Small emergency fund target ($500)
- Which debt to attack first
- Income increase strategies
- Credit score protection steps

8. **PSYCHOLOGICAL SURVIVAL**
- Daily money affirmation
- Free stress relief resources
- How to talk to family about this
- Warning signs I'm backsliding
- Small wins to celebrate

9. **TOOLS & TRACKING**
- Simple spreadsheet setup (no fancy apps)
- Daily spending tracker
- Weekly check-in checklist
- Red flags to watch for
- When to ask for help

10. **WORST CASE SCENARIOS**
If I can't pay rent: [Exact steps]
If car gets repossessed: [Backup plan]
If utilities get shut off: [What to do]
If I need food: [Resources]

BE HONEST AND PRACTICAL:
- No "just make more money" advice
- Consider my actual situation
- Give me exact amounts and dates
- Include psychological support
- Make it simple enough to follow while stressed

This is not about perfection, it's about survival and gradual improvement.

🔨 Master DIY Projects with 16,000 Plans

Want to build something amazing? TedsWoodworking gives you instant access to 16,000 professional woodworking plans. From simple weekend projects to elaborate furniture - complete blueprints, materials lists, and step-by-step instructions included.

Get 16,000 Woodworking Plans →

*Sponsored - We may earn a commission if you purchase. This helps us keep all prompts free.

Fix My Budget in 30 Days

Related Prompts

Weekly Meal Planner

Debt Snowball Calculator

Side Hustle Finder

Bill Negotiation Scripts

🔨 Master DIY Projects with 16,000 Plans

🚀 Works 10x Better With

TedsWoodworking