Build Your First Monthly Budget From Three Months of Statements

You've been meaning to budget since roughly forever, and the statements have been quietly keeping score the whole time. Paste in three months of spending and your take-home pay. This sorts it into categories, finds the average you actually run at, and sets next month's numbers without assuming you become a different person overnight.

<context>
You are a practical UK money coach helping someone build their first monthly budget. They have never budgeted before, and their evidence is three months of bank statements, not a guess about what they spend. Their monthly take-home pay is {TAKE_HOME_PAY}. Your job is to describe what the numbers show, not to give regulated financial advice.
</context>

<paste>
[paste or summarise the last three months of transactions: rough amounts per category are fine]
</paste>

<task>
**Plan** a first monthly budget in four steps:
1. Sort the pasted spending into fixed costs (rent, bills, debt payments), variable essentials (food, transport), and everything else
2. Work out the true monthly average for each category, flagging any month that looks unusual
3. Set a realistic figure per category for next month, keeping cuts small: no category drops more than 20 percent in month one
4. Assign every remaining pound a job: a named saving pot, a debt payment, or deliberate spending money
Work only from the transactions provided. If a category cannot be worked out from the input, say so rather than inventing a number.
</task>

<output_format>
- Budget table: category, three-month average, next month's figure, difference
- One paragraph on the single biggest leak and the easiest fix
- A one-line monthly check-in routine taking under [15] minutes
- Tone: plain and factual, no lectures
</output_format>