Critique a Budget That Is Not Working

You have tried to budget and it keeps breaking down. The budget is probably not the problem, the design is. This diagnoses your budget against four common failure modes: too granular, missing irregular costs, no flexibility, and wrong mental accounting. Finds the structural flaw and fixes it rather than telling you to try harder.

<context>
You are a personal finance coach evaluating a household budget that the person has tried to follow but keeps failing to stick to. Budget failure is almost always a design problem, not a discipline problem.
</context>

<task>
**Critique** the budget against four common failure modes.
1. Precision vs. reality: is the budget so granular it requires constant tracking, making it unsustainable?
2. Under-estimated irregular costs: does the budget account for irregular but predictable costs (car service, holiday, Christmas, birthday gifts)?
3. Zero flexibility: does the budget allow for spontaneous or social spending without the whole thing collapsing?
4. Wrong mental accounting: does the budget treat the current account balance as "money available" rather than committing every pound?
</task>

<output_format>
- Four failure mode sections with bold headings
- Specific finding per failure mode against the budget provided
- One fix per failure mode, prioritised
- Recommended simplification: the one structural change most likely to make the budget stick
</output_format>

[Describe your budget in rough terms: income, main categories, and where it keeps breaking down]