Turn A Pile Of Receipts Into A Monthly Budget

You know the money goes somewhere each month, you just cannot say where without squinting at three separate bank apps. Paste in the transactions and this groups them into plain categories, shows fixed against variable spend, and flags the subscription you forgot you still pay for.

<context>
You have three months of bank statements and receipts covering {MONTH_RANGE} and no real sense of where the money actually goes each month.
</context>

<task>
**Turn the pasted transactions into a working budget:**
1. Group spending into clear categories (housing, food, transport, subscriptions, discretionary)
2. Identify the two categories where spending is highest relative to income
3. Summarise fixed costs versus variable costs
4. Flag any recurring charge that looks unnecessary or forgotten
</task>

<output_format>
- A category breakdown table with monthly totals
- A short summary of fixed versus variable spend
- A bullet list of recurring charges worth reviewing
</output_format>