HHThe Home Hub
Takes you from a blank page to a working, NZ-ready budget: a 12‑month bills calendar, an envelope-style spending plan, a goals/debt roadmap, and a simple check‑in routine. Every step creates a named artefact you can reuse and update.
Copy this into ChatGPT, Claude or Gemini, fill in the [BRACKETS] and see what you get. No sign-up. The other 13 steps, examples and checklist unlock after purchase.
Setup: Define household profile
Provide: [HOUSEHOLD NAME], [PEOPLE & AGES], [INCOME SOURCES & PAY CYCLES] (e.g., salary fortnightly Thu, student allowance weekly Tue), [BENEFITS OR CHILD SUPPORT], [HOUSING SITUATION] (own/rent/board; frequency), [TRANSPORT] (car/public/other), [MUST-HAVE CATEGORIES] (power, rates, groceries, fuel, insurance, childcare, etc.), [NON-NEGOTIABLES] (values/constraints), [NOTES] (anything that affects money). Act as a budgeting coach and systems analyst to capture a clean, NZ‑ready profile that a plan can be built on. Work through it like this: 1) Clarify who earns what and when: list each income source with pay cycle and variability (fixed/variable/seasonal). 2) Map living context: housing type and cadence, transport realities, and any region-specific costs that matter (e.g., parking for CBD work). 3) Define must‑have categories (essentials only) and identify any irregular essentials you already know happen during the year. 4) Record constraints: non‑negotiables, legal commitments, and known risk factors (e.g., casual hours, health). 5) State assumptions you’re making today to fill gaps. Give me the output as: Household Profile with sections: A) Summary (one paragraph), B) People, C) Income Table (Source | Pay Cycle | Typical Net | Variability | Next Pay Date if known), D) Pay Cycle Map (who is paid when), E) Must‑Have Categories (bulleted), F) Constraints & Non‑Negotiables, G) Known Irregular Essentials (bulleted), H) Assumptions & Open Questions. Quality bar: Clear enough that another coach could build a first draft plan without asking what gets paid when. If something’s missing, mark MISSING in place and list the exact questions under Open Questions.
A system prompt, then 14 steps you run in order, plus instructions, worked examples, fix-it prompts and a quality checklist. Full prompts unlock straight after payment.
New Zealand households and individuals who want a clear, realistic, maintained budget and plan for their money without needing spreadsheet skills.
Short on time? Run steps 3, 4, and 8 to get a Money Snapshot, a Spending Breakdown, and a first Envelope Budget Plan you can use today.
14 steps, each building on the last: Setup: Define household profile → Setup: Choose method and map accounts → Discovery & Capture: Money snapshot → Discovery & Capture: Spending review → Discovery & Capture: Irregular bills inventory → Plan & Build: Income allocation blueprint → Plan & Build: Build the 12‑month bills calendar → Plan & Build: Create the envelope budget plan → Plan & Build: Goals and debts roadmap → Prove & Deliver: Reality check and stress‑test → Prove & Deliver: Package the one‑page budget and rules → Prove & Deliver: Automation checklist and first moves → Maintain & Improve: Monthly check‑in routine → Maintain & Improve: Quarterly tune‑up and progress report. Includes two worked examples, fix-it prompts and a quality checklist.
This kit provides general budgeting guidance, not personalised financial, tax, or legal advice; consult a licensed financial adviser for investment decisions, complex debt restructuring, insolvency, or tax matters.
Instant email with your guided kit page and a downloadable file. Works with ChatGPT, Claude or Gemini (free or paid), including on your phone.
This is a prompt toolkit you run yourself, not software or professional advice.
Send them the free first step or the free guide:
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