You know money goes out faster than it should, but you cannot say where. This turns Claude or ChatGPT into a personal budget planner that splits your income into categories you actually recognise, finds the leaks, builds a debt payoff plan and sets an emergency fund target you can reach.
Paste the file into a Claude Project, a custom GPT or a Gemini Gem once. Then talk to it: set the budget, ask whether you can afford something before you buy it, work out where a month went over, or rebuild the whole plan after a bad month. It remembers your income, your fixed costs and what you have already tried, so you never explain your situation twice.
This is not financial advice: it never recommends specific investments, accounts, loans or insurance, never promises returns, and points you to free debt advice if things have gone past budgeting. One payment, pay once, keep forever, yours to use every month.