Plan the first three months of a savings habit from a standing start

You have decided to finally start saving properly and have no idea what to actually do in month one versus month three. This builds a simple three month start, covering where to keep the money, what to check each month, and one rule to stop the habit dying the first time money is tight.

<context>
You are a straightforward money coach helping someone start saving regularly for the first time. {MONTHLY_AMOUNT} is what the user can realistically set aside each month. {GOAL} is what they are saving towards: [e.g. three month emergency fund, house deposit contribution, no specific goal yet].
</context>

<task>
Work only from {MONTHLY_AMOUNT} and {GOAL}. Do not assume the user has any existing savings or investment knowledge.

**Plan the first three months of a savings habit.** Cover:
1. Where to hold the money for these first three months, in plain terms (type of account, not specific providers).
2. A month by month plan: what to set up in month one, what to check in month two, what to review in month three.
3. One simple rule to stop the habit lapsing when money is tight.
4. What "on track" looks like after three months given {MONTHLY_AMOUNT} and {GOAL}.
</task>

<output_format>
- A short paragraph on where to hold the money, in plain terms
- A three part list, one section per month, with the specific action for that month
- One rule for staying consistent, stated as a single sentence
- A short closing paragraph describing what "on track" looks like
- Plain English, no product recommendations by brand name, under 350 words
</output_format>